I get it as soon as I can. It makes the game more fun to have it...and it's NOT fun to work up to buying it all. I want a place for my stuff at the beginning.
I figure that showing them how to kill a dragon is such a worthwhile advantage, that they can just give me a furnished house to live in. I hit the tilde key and type "player.additem f 7000" gives me 7000 gold. 5000 for the house, and 2000 to equip it with everything.
It makes the game more fun for me, and after 647 hours of play time, I haven't run out of things to do yet.
Anyone else do this?