As usual, systemd has way more documentation than anyone would ever care to read. In this case you could for example look at https://systemd.io/CONVERTING_TO_HOMED/
I wonder what’s missing from the article. Article and comments to it contains all necessary details to create homed-managed users. It boils down to few commands to be run in CLI:
Enabling systemd-homed (it should be enabled but still) sudo systemctl enable systemd-homed.service
Creating a homed-managed user with homectl. You can refer to homectl documentation to explore various options, e.g., adding FIDO2 with Yubikey, selecting filesystem type, setting home dir’s size, adding homed user to the wheel or any other group, etc.