This is true about clutters. I like to collect them for so to say my designed houses but not to possibly play with a family.
Some people use a hack to walk through places full of clutters on the floors. It seems that it can maybe cause lot crashes. However with te tons of plants I got outside and inside, I use a preventive hack by Inge Jones, to not have my Sims constantly water flowers, etc.
Once I started a mobile homes project. I hope to get into it again, because I love Gipsy homes, roulottes, etc.
I also refurnished a Moroccan palace (this one is huge on a beach) and used BB niches and bits to make alcove double beds against walls, with long curtains on the front. I try to be creative in such cases when there's a premade object (like one alcove bed from the medievalsmithy) that isn't exactly what I want for a house project.
I also like bunk beds very much, but find Inge Jones' ones very practical to use, near an alcoved window corner giving full view to the outside (forest or beach...).