For New Vegas I always used the Lucky 38 suite but after a while I gained a respect for the Novac apartment and the mods that improve it. Hands-down the best one is the NV Novac Apartment by VIPerMX. I never really cared for powerful sorting machines (though I respect the work it takes) or grand majestic yet empty buildings that are called homes. For me (and I can only speak for myself) a player home should be just that - a home. I love places that already have that lived in feel or some semblance of personality and humanity. Even if there's a place that isn't as personality fueled as the mod I linked, I do my own thing using mods like Feng Shui to add my own personal flare to it. If I can be immersed in the fact that where my character goes at the end of an adventure is where he calls home, then I believe that the mod has done it's job. Of course, this is all my rambling and my beliefs, but I like to believe I'm not alone.