When I used Vista, and used sytem restore, it did not touch my files. They remained the way they were when I decided to restore the system.
If I understand you correctly you could use system image, it puts everything back the way it was on the date of your restore point. I think this is better than what you want. If you run into a problem, but do not want to change personal documents, use System
Restore. If you want to change everything use system image.
But, onece again, when I had vista it did not perform, for me, the way that you suggest.
Have a nice weekend.