I'm one of those players who quickly gets sucked into buy a house in any MMORPG that offers the option, and then usually ends up buying Premium decor to decorate the place. I hate to think what I spent (in real money terms) on decorating my string of houses in Black Desert Online.
Having a customisable house in BG3 would be a fun option. As others have said, if nothing else it would be a good place to display all that interesting junk you pick up. Leaving it around the camp just looks untidy to my eyes.
When I play through Skyrim I end up buying every game I can throughout the game some are mods. I've even got a completing museum for displaying everything for which I come across in the game. And I do search every nook and cranny to find everything I can to fill out all the displays in the museum so there is no quest that gets left not done. And if you've ever played Skyrim you'll understand that is a lot of game time hours.