Especially the bathhouse ones.
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Not everyone is looking for game advantage. Many are simply looking for fun.
Having a creative outlet to express yourself frequently can be part of that fun.
Having a "home" for your character adds to immersion. which can make the game more fun.
If it doesn't mean anything to you, that's fine. There are other parts of the game that mean nothing to me. I just ignore those and focus on what I do enjoy.
Gardening really. You can technically garden a little bit inside an apartment/FC room but I think you can only have two planters or something? It's a shame because there's no need for that restriction.
because I can actually afford it.
Unlike in real life xD
I ask for a theme, otherwise I go out in search of inspiration myself.
From experience decorating friends' houses, I start with what they got, and if it's rubbish or not enough, I just get everything myself. If you want something done right, don't cheapen out, do it yourself.
I think for some it's just a matter of having it and really nothing else. I logged into the game for the free weekend, and I haven't been playing for a few months. I was eager to see what cool stuff people had done with Ishgard housing since it's been out for 2 months now. Going through several wards on a few different servers yielded pretty much the same thing. Lots and lots of empty houses and a few that were furnished but really poorly. I think I saw one medium house that was pretty good.
I would have thought though, with all the hype and demand for Ishgard housing, and the years people had to prepare, that the end result would have been a lot better. Wards are a massive waste of resources and houses should have always just been instanced.