I would rather pay a few hundred dollars for a private space and have control over my time/work hours, than be forced to physically commute to an office. Time > money.
In my experience, most decent employers have a stipend for co-working anyway.
But I already have control over my work hours. I don't have to work 9-5 as long as I work 37.5 hours a week. My commute is at worst 25 minutes with car (at best 15 minutes if no traffic).
I can easily get up at 6 go workout for 1-1.5h then drive to work when the morning rush is gone.
In my experience, most decent employers have a stipend for co-working anyway.