@Natanr The user directory is rarely used. By default, Mac uses the system directory.
DAWs don't necessarily scan the user directory, but again the system directory is used by default anyway, so why bother using the user's one...
Why there are two directories? I don't know...
https://helpcenter.steinberg.de/hc/en-us/articles/115000171310-VST-plug-in-locations-on-Mac-OS-X-and-macOS