The phrase "close only counts in horse shoes and hand grenades" Is incredibly true when it comes to music and recording/mixing. If someone is at the point where there isn't the money or time to make a room sound decent it might make more sense to completely focus on writing and composing and go rent a space from someone who does have the time/money to make the room adequate instead of buying any gear other than the minimum of what you need to demo stuff at home. You don't win any extra points for going it alone.
You don't have to do it all by yourself, but if you decide to do it all yourself, then you have to do it all well. At the end of the day nobody says "well this mix is good enough considering he did it all by himself". Either it's good enough or it's not. You can spend a lot of time and money in this biz fighting a loosing battle and ultimately have little choice but to surrender. One way or another you might as well give yourself a fighting chance.