There are certainly people who don't do well working at home, and people who try to take advantage, but as you say, everyone is different. If anything I work more when I don't work out of an office. Not only do I spend more time at my computer--since my office setup is handy at all times of day and on the weekends--but I feel more productive while I'm doing it.
For example, at the office, if I feel unmotivated (or stressed out/distracted by the noise/chatter/other people), my only real options for a context switch are to take a walk, or get a snack or coffee, none of which really gets me going again... But at home I can easily go downstairs and accomplish something like washing the dishes or a load of laundry, which gets my mind back in the right space of accomplishing tasks. And if I'm doing that and something comes up, I'm 10 seconds away from my desk and I can be back working much faster than if I were 10 minutes away at the coffee shop.
For example, at the office, if I feel unmotivated (or stressed out/distracted by the noise/chatter/other people), my only real options for a context switch are to take a walk, or get a snack or coffee, none of which really gets me going again... But at home I can easily go downstairs and accomplish something like washing the dishes or a load of laundry, which gets my mind back in the right space of accomplishing tasks. And if I'm doing that and something comes up, I'm 10 seconds away from my desk and I can be back working much faster than if I were 10 minutes away at the coffee shop.