It's fair enough if you want to stay at home if that's where you think you'll be able to learn best. After all, that is the main objective with Uni!
As for whether you'll find it harder to make friends, just make that extra bit of effort like joining societies or sports clubs, particularly the home students society. Obviously you will miss out on bonding with flatmates, but I only talk to two out of the 17 others I lived with in my first year and I'm far closer to people on my course and friends of friends.
As has been said so many times on here, your social life is what you make of it. If you put in the effort to make friends, you'll have a great social life, if you don't, you won't, simple as that!