That's kinda what I've been leaning towards. I might make one settlement just to test it out, but I don't want to deal with a bunch of people whenever I go home to drop my stuff off.
I'll be the opposite really.
I only need 1 home, so long as it has enough containers. Skyrim's Hearthfire was mostly wasted on me because 1 house was enough. I only bothered with the other 2 for achievements.
I'll look forward to whatever unique experiences I'll get from having a few settlements. At least there will be more life there than just an empty house.
And being fallout, chances are there will be a few houses made available to you elsewhere, which might be better if they're situated within a dense pre-populated settlement with shops and facilities, like Megaton or The Tops.