UrBackup is a great product! It works really really well.
On a Mac client I have set a scenario pretty much as described in:
I've set it up to backup up /Users, with the Included files as '/Desktop/;/Documents/'.
The Included files just seem to be ignored. Even putting a string such as 'never matched' still backs up everything, when I wouldn't expect it to match anything.
(I've been using the Exclude functionality for some time, and that works well)
I have set up a Mac client to try to back up the Desktop and Documents for each user.