You could make more than that. You could mount each subfolder in root to its own partition. But there's no need for a desktop user to configure all this. Personally I just have one swap, one partition mounted to my /home, and a partition mounted to root.
Generally you do at least / (root), /home (Documents and Settings) and swap. mount is a verb, although most distros include /mnt for temporary mount points which might be what you're thinking of as 'mount'.
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