Is this example of nesting generally accepted as good or bad practice (and why)?
A collection called users:
user
basic
name : value
That is acceptable practice. There are some problems with nesting an array inside of an array. See SERVER-831 for one example. However, you don't seem to be using arrays in your collection at all.
Conversely, if you were to break this up into multiple collections, you would have to deal with a lack of transactions and the resulting race conditions in your data access code.