I can verify that independent practitioners exist, and that they practice. It's hard to generalize further than that.
I know of some persons who practice regularly at home, and occasionally with a temple or group that may be some distance away. Geography is a factor here. People practice on their own as best they can when they can't practice with others (this is true across Buddhist traditions).
What to do then? Find a way to practice that speaks to you, inspires you, and that you have the means to practice... practice it as best you can with all your heart.
Great River Tendai Sangha: a Tendai Buddhist community in Alexandria, Virginia, USA (near Washington, DC):