I think most average street-mages don't need a magical lodge most of the time. Most of the things you need it for are pretty esoteric, e.g. most mages (especially starting out) aren't doing ritual spellcasting or artificing their own foci or summoning ally spirits or binding free spirits. The one thing most mages will want to do fairly early in their careers is learn new spells, and you can achieve that with a temporary lodge using reagents at a better cost economy.
For example, if you can manage a 3 on the learning test (Spellcasting + Intuition), you can learn a new spell in 4 days (12 divided by 3), which requires 4 days of a temporary magical lodge at force 3, which is 12 reagents or 240 nuyen. (You can set up the temporary lodge in 3 hours each day and then study for 8, and still have time to do stuff in the evening and get a good night's sleep.) By contrast a permanent Force-3 lodge costs 1500 nuyen (for which you could also learn 6 spells at 240 nuyen), takes 3 days just to set up, and is vulnerable to pillaging by your enemies if you have them.
That said, if you want to get into ritual spellcasting or any of that other stuff of if you've just got the money to burn and wanna have a cool base to call your own then there's no harm in getting yourself a permanent lodge.