I've been hearing it both ways. Big issues; in person meetings, cafeterias. On the opposite side, 'hotel' seating, which works much better if the 3 days in is spread over all 5 days. Another thing; employees needing something like doctor's appointments.
In a pre Covid job, when I had certain health issues, for a while I was fully remote, then came in 2 days per week, usually selected for vendor meetings, visitors from other cities, lectures and for a time, chasing down signatures on paper. I got far more done on days I was remote, but I liked the 2 days for personal reasons (like my fav Chinese fast food place). During the last several months I shared a 'space' with unknown others. The one downside is that the bank in question had old, out of date equipment and very poor support.