(That's just how it is at my company. PCs aren't backed up, central repos are.)
Rebases on the official repo are not allowed and the per-user repos are public and can be used also for collaboration.
Some people use git add -i to be very selective about what they commit, and deliberately increase the number of independent commits, rather than have a single commit that has unrelated changes in it.
Other people have a lot of WIP commits.
We started out doing more rebasing, but do a lot less now, after having run into issues with having e.g. branched off of a branch that has since been rebased and merged (e.g. front end / back end feature split). You try to rebase, but the replay of commits continuously hits merge conflicts, and you spend about 30 minutes repeatedly fixing the same conflicts. And then there's the risk of your force push accidentally chopping off someone else's commit (though that's never happened).
We had one PITA case where a profanity was checked into the codebase, and branches with the offending commit in the history lurked in various places surprisingly long after the commit had been excised from the main trunk lines. Since we're a startup in the financial sector, our code will be in escrow situations, potentially examined by humorless auditors, we don't want profanities in.
But anyhow, just give people private repos on the server. What I do is push my private WIP branches to my home directory on the server, and once it's ready for code review and merge, push it to the central repository.