Official client list https://matrix.org/ecosystem/clients/

They got MS Edge like vertical tabs

To be fair, vertical tabs has been possible in Firefox for way longer than Edge has even existed. For example this add-on is more than a decade old.

• You might need to buy additional food
• Wear and tear of work attire
• Might need to pay extra for someone to watch pet/child

Also there are additional costs of time

• Extra time shaving or similar (if you know you are staying home some things can be delayed a bit)
• Possibly extra time to prepare food
• Traffic/weather delays
• Extra effort for small things easily manage while at home e.g accepting deliveries, watching pets or opening for maintenance workers

That’s of the top of my head, so 1 hour lost per day is a low estimate.