Long term, it matters. Your plan is to have this be large enough that others will be working on it eventually, right? So, even if you don't have formal offices, that means you'll be interface with others. Eventually, there will be phone calls that will end up needing to be scheduled, rather than ad hoc, and meetings (*gasp!* - on G+ hangouts, conference calls, or whatever).

As soon as you have to start fixing parts of your schedule to other people, the formalism matters - otherwise, you find yourself at 3:30 PM, kinda musty, still in the bathrobe, and you're still supposed to do the dishes and catch a shower before going out to dinner. And you want to be in the habit *before* you start needing it.