I prefer to split work and personal repos into ~/dev for work and ~/src for personal.

  # file ~/.gitconfig
  [includeIf "gitdir:~/src/"]
  path = /Users/metabeard/.config/git/.gitconfig-personal
  [includeIf "gitdir:~/dev/"]
  path = /Users/metabeard/.config/git/.gitconfig-work

and

  # file .config/git/.gitconfig-personal and .config/git/.gitconfig-work
  # both are very similar with different email and signingkey
  [user]
    name = Meta Beard
    email = email@metabeard.me
    signingkey = ssh-rsa xxx==

  [gpg]
    format = ssh

  [gpg "ssh"]
    program = "/Applications/1Password.app/Contents/MacOS/op-ssh-sign"

  [commit]
    gpgsign = true