Debian :: Safest Way To Change A Username / Login Name

I would like to change my username (or login name) and am wondering what the safest route to do so is. The install is on a headless server, which I just use ssh.There's a) using usermod -l newname oldname. The line in the usermod man that says that changing the login name doesn't change anything else, which makes me think that something else is bound to break. I've also considered b) creating a new user, moving the contents of my home directory to the new user, and deleting the old user. This is kind of cumbersome, but would this be the recommended way to ensure everything goes well (considering I still have to redo some config files).