It’s true that building houses doesn’t net you any stone or ores; but the town worth increase for buildings is dramatically higher than you get for stone or even ores. Bars a worth a considerable amount, but my tents are long demolished by the time I have a blacksmith up (and it’s one of the classes I rush to.)
The key is to furnish the buildings as well as building them – that way you’re also levelling up crafters, gaining some more expensive items, and now it’s also a way to boost happiness.
Of course, it’s even better when you can do some mining and building tasks at the same time! If I’ve settled near the mountains I’ll get a mining task underway even while I’m chopping trees to build tents and beds with. I normally settle on the foothills though, so it’s a bit of a walk up to the stony parts.
As I said before, it comes down to whether you plan for them to live in the mountains or in a tunnel somewhere permanently, or if you want them to live in houses eventually. In the case of the former, temporary rooms in the early tunnels are great. In the case of the latter, tents or other temporary accommodation (or even just having everyone sleep in a communal hall which will later be converted into something else) will fulfill a couple of objectives at once.
There’s no “better” option, it’s just about what works better for each player and their long-term goal