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 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.