ah but the bad topology part.. thats for subdividing and the like, there Ngons are bad because they are unpredictable.

for a house, are you going to sub divide it? a table? kitchen cabinets? no, you won't. your example above, SubD is never going to be required.

for solid objects , professionals will consider Ngons to lower poly counts... (heard it time and again in videos from such places as Massive Black, etc)