>I can roll out of bed and start work, and then exercise/shower on my own time throughout the day. It’s fantastic

That is what I would do; eat my breakfast and work, get something done and push it to the repo, attend the online standups, then take a shower/break, get dressed, then go back to work until noon, take a lunch break, repeat and rinse.

I always put in my 8 hours (contract employee paid by the hour, no overtime allowed), but sometimes started at 5-6 AM (I am a morning person) and would have a task done early in the morning so those who started at 8-9 AM would have the code they needed from me that morning and I could talk about it at the standup,

If I needed to run an errand or get something personal done that day, it was a lot easier to do it from home.

Also, I live on 16 acres, half forested, on a mountain, so taking a 5 minute break was a lot better than being in a stinky noisy sometimes dangerous downtown.