Set-up Question - Separate Home from Boot Drive

I'm a little confused by your question, but I'll give it my best shot and hope this makes sense. It sounds like you're trying to do what I already do myself.

1st drive - [Boot] OS X / Apps
2nd drive - Data (my accounts home folder)

To achieve my setup...

Install OS X & Apps to boot drive.
Create Admin account to be used in the event I break my own, this one I leave in it's default location on the boot drive.
Create my user account and move it's home folder off to another drive.

You can do all this with no problem at all.

 

yes you can just have one user and relocate the home folder to a separate drive. the link provided by edesignuk explains how to do this. i highly recommend doing it. that's how my machine is set up. for one, you're hedging your bets in case one of your drives fails. for another, it makes opening files so much quicker. especially if you use large files.

 

You can move any account anywhere, doesn't matter if it's admin or not. I've just always figured it's best to have a backup admin account who's files are local to the boot drive in case of some bizarre problem down the road.