After a lot of trial and error I landed on a hybrid: two fixed coworking days a week for the calls and the human contact, home the rest. The membership pays for itself just in not going stir-crazy by midweek.
I keep flip-flopping. Coworking is great for focus and meeting people but eats into the budget. Cafés are cheaper but the wifi and noise are a lottery. Home is free but I go slightly feral by Thursday. What's your real, sustainable setup once the novelty wears off — not the Instagram version?