Of course I'm speaking from experience. Of all the people I know, only one idles at their hosue regularly - but that's because they have a mansion and like hosting a lot of people from their circle of friends, organizing events for us, even. Everyone else furnishes their house and then chooses a different hangout spot where they have actually people who they can interact with in /say. Might be their FC house, might be a bench in a capital.
Retainer business can be done at your house, or anywhere else. The problem is that anywhere else also offers services you will have to eventually leave not your house, but the whole residential quarter for. And if your house is in shirogane and Empyreum, you can't even use the aethernet to quickly get into a capital for stuff like GC turn-ins. The game just does nothing to make owning a personal house compelling from a gameplay standpoint; it's just a vanity item.
Edited to add: I think EU auto-demo is on now? I forgot, they keep going back and forth about it.


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