Household as Account or Custom Entity

I realize this question has come up before and I have read the previous (mostly older) posts on the subject. I am trying, as is usually recommended, to use the OOB entities for as much as possible. I am setting up a nonprofit organization and am debating between using the Account entity for both organizations and household OR creating a new Household entity (not preferred method as far as I can tell). Either setup would use Contacts as the individuals in a household. I'll use the relationship roles to allow the relationships between different contacts to be entered/displayed.

Based on the latest versions of Dynamics 365/CRM, has their been anyone setting up households a more effective way than in the Account entity? The only drawback so far is the confusion to end-users in a nonprofit by calling it an "Account" or even renaming it to "Organization".

Thanks everyone!