I'm mostly doing things for other people so having stuff in MY personal workbook wouldn't be helpful to them.

What sort of things do YOU want to put in there? An alternative, I guess would be to create an Add-In but, again, I'd need to ensure the Add-In was available.

I find it easier to have standard modules, where I need them, and copy them between applications. A lot of the time it is re-using standard processes and procedures tailored to a specific need.