Interesting thought - would Momo want her own place? Would she be able to get one? Is being a companion AI not like a job, where she'd have to give notice or something? What would a robot do with their own place, since they don't need to eat, sleep, defecate or do any of the other human things that we prefer doing in our own homes if possible?
Well, she'd have
her own four walls, i.e.
independence ... pretty much why humans move out from their parents place? The stuff you listed above? Actually, most of that you could do on a e.g. Uni Campus, if you're not too picky. Bonus points if you have an office there (I've once met the guy who works in the office next door down the Hallway in his pajamas at 1:00 in the morning. 'S'up? S'up!' - there's faculties where a certain dose of eccentricity is seen as sign of a healthy and creative mind ...)
Actually, what you suggest ties in with a thought that's been pestering me since the whole arc began - From a certain viewpoint, Marigold behaves a little bit like a parent who hasn't noticed her little one is almost all growed up until just now and is a bit hard pressed to deal with it -> Hands up everyone who got one or the other version of the "After all I've done for you!" - speech shortly before moving out? For apparently completely random stuff? That's sometimes how parents deal with the conflict between their fear of loosing this intense bond and their wish for the best for their offspring.
And Momo has really done some growing up in an emotional sense - look at Pintsize and Winslow! They're not dumb, or toys. But they're teenagers at best, totally dependent and fixated on their humans and seemingly content with it. It doesn't matter too critically for that viewpoint that Momo is more socially competent than Marigold, by virtue of downloaded database - up until recently, she was totally dependent on Marigold, all her life revoled around her, and it didn't seem to bother Momo.
I've re-read the chassis-arc just now: They really share a very deep and strong bond. And the new chassis was like an affirmation of that. That's why Momo is so hurt - Marigold seemed to have put a pricetag on that. But she didn't yell: "You're not the Boss of me!", she reacted like a mature, independent sentient being: She extracted herself from the situation
and established her boundaries at the same time. She gave herself the time to express her hurt and frustration before making a decision. And the decision was to go back and try her best to repair the damage.
I don't think they will part ways - But I wouldn't be surprised if she'd establish some boundaries, and the means to ... well, establish them, if things are said in the heat of the moment again.
Her own place, bankaccount, etc. could be some of those means.