Unfortunately, no.
You can't just copy the /Users/ folder and have it actually work.
Yes, reinstalling everything is a PAIN.
This is why a comprehensive backup plan is strongly suggested.
Won't make any difference for this time...but for next time, you'll be prepared.
For instance...all the drives in my main PC can die right now.
They are all individually backed up to the NAS box.
I can resurrect the system in about an hour, from what it was at 2AM this morning.
If the NAS box also dies, I can resurrect things as they were last Wednesday at 7AM.