Nope I was actually pretty surprised i found it to be enjoyable. Last night i stayed up most of the night gathering materials and building my house on my own. It's all done and not once did I ask my steward to furnish anything for me. It's great seeing your house go from a small shack the size of breezehome to a large completed house. (I chose Armory, Bedrooms and Trophy room) in Lakeview Manor, And I plan to make the other 2 houses eventually.
I see where you are coming from though, it's not 100% customizable but neither did I never expected it to be that way. It's not that bad tho, if you enjoy role-playing you will find it fun cause you get to put whichever typa room you want in the wings based on your playstyle