yup i own a personal house and don't bother decorating the inside.

i only ever go in to put stuff in the company chest or use the NPCs.

they need to make furniture that's a lot more useful, especially for crafting. another suggestion is to increase rested XP for sleeping/sitting on certain pieces of furniture.

and they obviously need to make a lot of it usable by people besides the homeowner (for personal housing and personal rooms anyway).