This is covered in the User's Guide, Char, but the thing to do is create a non-FV account, log out of your FV account and into that one, and perform the backup that way.
Your home folder is stored in a single big file, because of the way FileVault works. So, to restore, you'd have to restore the whole thing... or log into it and somehow get the individual files off that way. Kind of a pain, but that's what you "wanted" with FileVault -- it's not easy to get at the data!
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--Dave Nanian
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