Best practices for organizing personal git repositories in /home folder?

There’s a lot of detailed information if you’re dealing with running a git server (/srv/git) or dealing with development (follow your company’s policies), reams of information about how to organize files inside a repository, and some apps will handle their own repository location (chezmoi), but not much about just keeping your personal git repositories organized without cluttering up your home folder:

• a lot of Youtube videos are just grabbing a couple files so end up cloning into ~/Downloads and cleaning up later
• GitHub and GitLab tutorials just mention clone into the folder of your choice
• Codeberg’s “Your First Repository” has you cloning into ~/repositories
• so, what have you found to be the cleanest/simplest/most comfortable?
  • “top-level” folder like ~/repositories or ~/repos ?
  • move down a level like ~/Documents/repos ?
    • (make use of an unused XDG folder like ~/Public ? (doesn’t seem likely))
  • something else that everyone adopted ages ago ?