I disagree with you, specifically one point.
>The office does offer some perks, but they are not related to work itself, they are all about socializing / banter / feeling of being part of a team.
That "banter" or "socializing" is work related. I've found that working from home (been doing it 2 years now) has one very big disadvantage - unless the whole team is remote.
You will be excluded from meetings, decisions and conversations. You will always have a feeling that you're missing something. You will miss important hallway conversations that can impact the work you do.