At this step, only /etc/skel is copied to the new user's home.
.config, .local, .... are not yet installed.
The Initialization of a new user is finished ( by some hidden script(s) ) when the new user log for the first time.

Presently I run a bash script to fully configure any new computer.
I run this script in two step.
After creating the initial user the script wait, I switch (from the application menu 'Switch User') to the new user account. So the new user configuration completed, then log out, then switch to myself.
Then I continue the script to finish the user configuration.

Do you actually have a question?