These statements somewhat contradict themselves a bit. Normally a user doesn't have r/w access to system folders and it's also common practice to prevent anonymous access into home directories of random users. Sorry, bit of a lame comment from me, but still
If you know about
/opt then why not use it? Solaris also heavily relied on
/opt back in the days, so when I eventually switched to FreeBSD I just kept on doing so. Nothing wrong with that (and it also won't get in the way of any upgrades).
As for me.. it depends.. I heavily rely on
/opt for any stuff which I add myself but still want to access on the whole system (like my Minecraft server, Circle MUD, some Git repositories, etc.) and everything else goes neatly into
~/bin or
~/develop (when some of my scripts aren't yet production ready).