S.D.
I've done P90X and the Insanity workouts. I don't know anything about Chalean extreme. I love working out at home because of the reasons you listed. I do have a Y membership also but don't use it much. My favorite workouts are by Tracy Anderson. I also like The Firm workouts better than P90X or Insanity. I think anyone can do The Firm workouts because they have such a wide variety of DVD's to choose from. Tracy Anerson's cardio is dance so if you don't like dance aerobics you may not like it. I recommend her muscle work for all women. She goes for a lean look rather than building muscle. She has a book out called The Method that is fantastic. It comes with an instructional workout DVD. I truly feel like Tracy Anderson's workouts have transformed the way my body looks more than anything I've ever done in the past and I've been working out regularly for almost 20 years. I hope you find what works well for you. In the end it's really about personal preference. Do what you love and you'll be more likely to keep up with it.