Found a way to put excludes in secrets file

borg_backup.sh

@@ -67,22 +67,7 @@ borg create                     	       \
   --exclude-caches              	       \
   --exclude '/home/*/.*/*'  	 	         \
   --exclude '/home/*/.*'                 \
-  --exclude '/home/*/builds/*'\
-  --exclude '/home/*/github_dotfiles/*'\
-  --exclude '/home/*/github_misc/*'\
-  --exclude '/home/*/Downloads/*'\
-  --exclude '/home/*/Desktop/*'\
-  --exclude '/home/*/Keepass/*'\
-  --exclude '/home/*/Lessons/*'\
-  --exclude '/home/*/Music/*'\
-  --exclude '/home/*/PersonnalScripts/*'\
-  --exclude '/home/*/Podcasts/*'\
-  --exclude '/home/*/RootMe/*'\
-  --exclude '/home/*/SetupCockpit/*'\
-  --exclude '/home/*/SRC/*'\
-  --exclude '/home/*/VirtualBox VMs/*'\
-  --exclude '/home/*/Videos/*'\
-  --exclude '/home/*/Documents/MBSR/*'\
+  --exclude-from <(echo "$BORG_EXCLUDES")\
   --exclude '/var/cache/*'      	       \
   --exclude '/var/log/*'      	 	       \
   --exclude '/var/tmp/*'        	       \

secrets.template

@@ -3,9 +3,8 @@
 SETUP_COCKPIT_EMAIL=''
 SSH_REPO='user@ho.st'
 BORG_PASSPHRASE=''
-BORG_EXCLUDES="
---exclude '' \
---exclude '' \
---exclude '' \
---exclude '' \
+BORG_EXCLUDES="\
+/path/to/exlude/*
+/another/*/path/to/exlude/*
+/yet/another/*/one/
 "