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Any benefit of /home Ubuntu partition

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http://askubuntu.com – I want to have dual OS of Win8 & Ubuntu 12.10. Provided that Ubuntu can access ntfs partition of Windows but same can't be said about Windows this leads to a question mark on the significance of having /home partition while installing Ubuntu. As far as I know /swap & / are the two partitions directly used by Ubuntu to store programs, installation & stuff while the documents/media resides in /home. Now because Ubuntu releases are more frequent than Windows & updates needs backup & relate stuff, so I came to decision to not to use /home at all, rather keep all my documents/me (HowTos)