I wouldn't underestimate the difficulty in completing a degree mostly by yourself. There is the issue of discipline, in getting yourself to actually watch the recorded lectures, and go through seminar material, without the push of attending the actual sessions. From my anecdotal experience with friends who have tried to do this, they almost invariably 'fall off the wagon' after a while in terms of keeping up with material, and then it's a mad scramble to try cover things before assessment deadlines and exams - meaning they almost always did worse than they might have otherwise. I think attending classes helps keep you in a routine & helps keep university and your studies at the forefront of your mind, even if the classes themselves are not always the most useful.
That said, many classes - especially seminars - are useful if you approach them the right way, i.e. prepared, and ready to contribute. They help sharpen your understanding, as well as clarify anything unclear. They can deepen your ideas, meaning you might write better assignments in the end since you have been exposed to various arguments and interpretations, in a way that just reading the material probably wouldn't give you.
Given what you said yourself about your previous tendency to fall into bad habits, I wonder whether trying to do it all from home, without much structure or guidance, would be a good idea. I wonder if you could establish a routine of going into university a couple of days, even if just for the seminars, would help keep you in contact with what's going on, but would hopefully also minimise your commute. I think keeping that contact and sense of participation, and then doing the rest at home, could work well?