I hear you, Mel, I do :-).
Same here, I tend to turn down invitations to stay at locals' homes for the exact reasons you described. There are times tough when I feel more adventurous and go for it. (Not very often, believe me :-D)
Swanky corporate hotels aren't my favorite either but I am guilty of having stayed at Hiltons and Sheratons in many countries. They can be very nice after you've been roughing it at locals' houses, let me tell you, LOL!
The places I most like to stay at are local hotels. I love that old-world charm.
Sometimes I am in an area so remote that I don't really get to choose where I stay as there just aren't any options. Once I was in this village in the middle of nowhere in Asia where I stayed at a local home. The house didn't have bathrooms, only a toilet that was detached from the house and was basically a hole in the ground with no way to flush, was very smelly and full of flies and mosquitos. To shower, we had to go to a bath house that looked everything but hygienic to me if you get my drift. But we couldn't go every day anyway as it was too far. I love being pampered as much as the next person, but in a weird way I also find it pretty empowering that I know that I could survive on next to nothing if I had to. There is something to be said about going rural once in a while, it's definitely an experience.
Once, when I was in a remote area in Africa for a couple of months, we stayed at the 'best hotel in town'. By local measures I'm sure it was considered really grand, yet it had mice, no glass in the window, no water pressure, etc. I got malaria, which was a horrible experience. After a couple of months we got back to civilization and the first place we went to was the Sheraton. I have never been as happy to have nice food as I was then. And running water. And staff tending to me.
A similar experience I had was at the 2004 South-East Asia tsunami. As I happened to be in India at the time I decided to volunteer my time and resources for the next few months to help the survivors. There weren't many hotels left and the ones that were functioning were full (BBC, CNN, and such) so for the first few days we didn't really have anywhere to stay. When we returned to civilization, we checked into a fancy hotel for 2 weeks (they upgraded our room to a rather posh suite for free after they found out that we had volunteered at the tsunami for months) and I very much enjoyed a hot bath, clean sheets and some nice food.
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