I have encountered a scenario in which this behaviour may seem problematic and a potential solution.
My endstop switches have only 1.5 mm of total travel, and they advise NOT to bottom them out. (I'm sure doing it lightly couldn't hurt but with any force behind it, it could damage the switch -- a contact switch from metrol).
In order to avoid bottoming out the switch, homing must be performed with the deceleration phase in mind, and speed limited so as to prevent the deceleration phase from becoming 1.5 mm or greater.
In my homex, y, z, u files I too want to move Z up (bed down) to allow X/U and Y to home without interference. I want the axis to stop if it happens to hit an endstop. If this move is not performed delicately, as Z homing must be, the switch could be bottomed out and/or the recorded home position for Z might not be accurate.
To resolve this, I will simply move my Z axis in my homeXYU files delicately as if I was homing it, in case it does get homed incidentally.