If you want to backup only a few items from home directory, it's easier to add those items individually to filetools, instead to add all others to xfiletools.
It's difficult to follow a reasoning of "it's easier" for a method which has been shown to lead to undesirable result and requires manual file permission corrections after each restore.
Perhaps you mean to say that it
would be easier
if your reversed method would have the same reliability and would lead to same result as the default method - which is obviously not the case.
GNU tar would allow fine grain control options regarding file permissions which busybox tar does not.
Here's a different approach to what you try to achieve:
/bin/ls -d1 /home/tc/.* >>/opt/.xfiletool2.lst && /bin/ls -d1 /home/tc/* >>/opt/.xfiletool2.lst && sed -i 's/\(.\{1\}\)//;/[./][.]*$/d' /opt/.xfiletool.lst
That should append
all files and dirs in /home/tc to .xfiletool.lst and then you can just delete entries from .xfiletool.lst instead of deleting /home/tc and adding single file/dir entries.