Every family is unique and some people can have a very fulfilling life living at home but I think, speaking generally, the counter side to familiarity and security is that yes you may be poorer, nervous, lonely sometimes but with those scary things come: growth of character, resistance, confidence in yourself, and new possibilities to connect with others.
The latter being the most important as generally it is the quality of your personal relationships that determine your happiness in life.
If you always have a cloak of protection around you, you perhaps won’t push yourself as hard to reach out to others when family are in the next room? And then you are not in a position to take advantage of spontaneous chance events when they arise.
Ultimately, only by making yourself vulnerable and taking the scary steps, do you open yourself up to change and fulfilment (and yes that does sound like a bad film script) but I happen to think it’s true.
Also bear in mind that nothing stays the same forever and change will come at home if you stay there or not. Better (usually) that you are the instigator and you steer your own boat.
If you want marriage and children, then one of the best ways of doing that is to move to a new place and expand your circle of friends. I think working from home is very hard for young people and as such; you need to make even more of an effort to consistently reach out to others and that’s not as easily done in your home with your parents there.
And there must be lots of other people your age wfh who want to meet up too! They are probably out there waiting for someone else to take the first step!
In your own home you can: run a craft, book or poetry discussion group, hold dinner parties, invite girlfriends over for coffee, put up a friend overnight who is passing through, hold a wine tasting for charity, host a barbecue for neighbours or work colleagues have lodgers etc etc.
And anyone you invite has a friend and family circle of their own that you could potentially tap in to. Personally I would take this step now, as soon as possible, while you are young.
You can do it op! Speaking as someone old enough to be your mum, I would say that looking back, anything worth doing in life is scary! If you take the bull between the horns life usually repays you well! Good luck!
PS Bearing in mind your home situation, you may find it helpful to discuss your fears with a licensed psychologist. Maybe even as few as half a dozen sessions could help. Growing up as the sibling of a disabled child potentially beings with it a set of unique challenges and it may be helpful to verbalise and discuss what may be holding you back 💐