Well, to some this may not be a 'disadvantage' per se, but I've noticed in my game that sometimes random npcs will use my home as an entry to the city. Meaning I've witnessed times when an npc will just casually walk up the back stairway, enter my home, walk through and exit the front door into town. Might not matter to some, but hey, if you've got kids living there, a wife,, and.... why isn't my housecarl Iona doing something about all this trespassing? What am I paying her for???
Seriously, it bothers no one else?