Clothes, are you in the Netherlands?
Because if you're in the UK, I can assure you, you don't get much personal attention in most hospitals once you've given birth, unless (sometimes) you are quite poorly. Women are discharged within 3 to 6 hours of a MLU birth if all goes well. If they've been on the labour ward and have had a normal birth they are usually expected to do EVERYTHING for themselves and their baby in the very short period they're kept in.
And FWIW, my house is artic, even in summer (no carpets, no double glazing, no radiators in the bedroom). I was still more comfortable than when I was in hospital because I had my dh to help me, my own bed to sleep in, and access to a loo that wasn't covered in other people's blood.
And if your house is so unsanitary, cold and uncomfortable you can't safely give birth in it, I think I'd be more preoccupied about trying to care for a newborn in that environment, which of course you have to do whether you have a hospital or a home birth.