Sisters and Brothers in Deen,
Salaams,
I think there should be some middle ground, however Allah and Rasul know better.
Each person has to do what he can do, and answer for himself.
Ofcourse you have a detailed answer above, but :
1- In most conditions it is preferable to pray in Mosque.
2- Those who live far - get more Sawab to go to Mosque than those who are close.
3- It is possible to do Jamaat @ home - even with 2 people - so he could go to mosque and sometimes pray at home.
Indeed it is a blessing to be able to go to Mosque to pray.
Jazaak Allah for reading this far.