What settings are you talking about? Desktop and user profile settings?
If so, yes and no. Theoretically you could manually log in as an administrator and copy the user profiles from the server to the local workstation. I've been very unsuccessful with this.
No AD for home. (That one, anyway.)
As for the above scenarios... I would certainly use AD for the law office. Why? Put in a Windows 2000 domain. Enable Roaming user profiles, and enforce them (do not allow unauthenticated logins). Redirect the local "my documents", "favorites", etc, to a share on the server for each user. That way all of the data is on the server, and not on the workstation. That makes for MUCH easier backup (NOTE: If you go this route, backup is a MUST... they would lose EVERYTHING is the server went down without a backup). Security would be greatly increased simply by requiring AD authentication. Move the applications, or at least the installs for them, to the server. That's a major save of disk space on the workstations. The printer could be shared from the server. Access can be controlled to the printer if needed, and there is always printer and document auditing, in case an employee becomes suspicious, and the employer wants to watch them. Furthermore, it would be easy to route internet connections to all of the workstations through the server.
Maybe for the restaurant. I know that nearly all of the restaurants around here use either NT or 2k on a domain... however, they are always logged in as a single user... per machine. I suppose one convenient use for that would be to audit what operations were performed on each machine. Other than that... AD really would not be that useful.
Just my $0.02 worth. I'd love to hear a detailed explanation against what I've said.
Drew