People can definitely survive living almost entirely indoors. I expect VR will be big on Mars. But I think the lack of natural light will really limit the comfort level.
If someone can invent an invisible electromagnetic radiation shield that would change the game.
If we can find some nice lava tubes that can be sealed and pressurized, it might make for some rather spacious dwellings. But yes, I expect the first Martians to effectively be mole people.
I imagine living on Mars would be a lot like living in a place like Whittier Alaska [1] (a town where everyone lives in the same building). Not for everyone, but some people might like it.
[1] http://www.npr.org/2015/01/18/378162264/welcome-to-whittier-...
http://www.sr2s.eu/project-news/19-eu-space-project-will-all...
A penny-sized hole would give time to patch, and suits would likely be designed to compartmentalize in a leak. In a true worst-case scenario, chimp studies in the 1970s showed they could survive several minutes of total vacuum.
https://www.scientificamerican.com/article/survival-in-space...
People already stay on the ISS two to four times as long as Musk's proposed travel time to Mars, and they'll be landing somewhere with a third of Earth's gravity. They might all need to hang out for a day or two to get their Mars legs, but I don't see an issue here either.
Micrometeorite impacts haven't done the ISS any appreciable damage in its nearly 20 year service history. Again, doesn't seem like a problem.