It's not the financial cost of the time that's important it's the time itself - it's the requirement to completely go against my internal body clock to be at a location by a socially determined starting time - I start working at 10am usually - from home that means I can get up at 8.30 perhaps- to be in an office that means 6.30 am - I don't want to wake up at that time...

Disclaimer: not saying regular exercise isn't important...

There is a meme, or some "motivational" thing that floats around. "Exercise for an hour a day. It's less than 5% of your day - what's your excuse?"

Uhh... because, if I factor in: - 8 hours for sleeping

- 8 hours for working

- 1.5-2 hours for commuting

- 0.5-1 hour to get ready for work

- 1 hour to prepare and eat dinner

All of a sudden we are at 19-20 hours, and it's not less than 5% of my day, it's actually 25% of my day.

Better coffee is definitely situational, especially if your employer buys over roasted beans.

I have good coffee at home but my boss is a fanatical addict that considers bad coffee a mortal sin.

It sounds like you're lucky to have that boss if you really enjoy coffee. I would wager most bosses are fanatical cheapskates that consider expensive coffee an unnecessary cost

Usually office coffee sucks though. Do you have real manual espresso machine in the office and a person who is responsible for operating and regularly cleaning it? The automatic kind with "americano" and "espresso" buttons can't really make a good coffee.