Genetics play a factor. My wife gets cavities like they're going out of style and she's very diligent about brushing and flossing. I'm ... less diligent and I've never had a cavity and still have all my wisdom teeth.
It's a total crapshoot, all anyone can do is try their best to take care of what they've got.
In theory the amount of work for people doing HQ level administration (executives, accountants, etc.) doesn't change when they work from home. The work is different because face to face communication is replaced with telecommunication, but the same tasks that were done in office are still being done.
My observation is that the people who want to see a return to office have one or more (but not necessarily all) of the following traits:
They think short term or buy into the sunk cost fallacy and want to justify long, expensive commercial leases that the company is locked into.
To understand that work is happening they need to see work happening. This can be driven by difficulty dealing with abstraction or generalized trust issues.
They don't have a good home life. For a lot of people home is unpleasant and work is a respite. That respite has been taken away by a large, sudden societal shift.