Where and how Bond lives is not important. He was missing for 14 months in DAD and upon his return to London the first thing on his mind wasn't getting home and checking his backlog of mail for his Publisher's Clearing House prize announcement. We have never seen where John McClane, Indiana Jones or Rambo live either, and I can live with that. And if we'd never seen Bond's flat in Dr. No or LALD, I wouldn't have noticed it missing. In fact, the fact that his digs have only been worked in twice in a 22-episode franchise is all that makes its appearance significant.
And for what it's worth, I liked his flat in LALD better than the one in Dr. No (yes, I'm the one). There was something too dainty about the chairs in the vestibule, and someone - I think it was John Pearson - mentioned that Bond did not own a television set.
So what do you want to see Bond doing at home, swigging Guinness while watching American Idol? Banging another Italian agent? If the writers could have thought of something genuinely interesting for Bond to be doing at home, they probably would have filmed such a scene sometime in the last 27 years.
Bond is an international man of mystery - an enigma, "The man who was only a silhouette." Like his predecessors, Daniel Craig is more interesting on the road, staying at grand hotels, than he is at home.
IMCO.
Actually we have seen Indy's home in two movies (RAIDERS and KOTCS) but it does support your point about Bond as they don't really add any interesting insight to the character.