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http://banished-wiki.com/wiki/Housing
You can always upgrade later once the resource income stabalised
Irony. People trade firewood for stone so they can build stone houses... so they can save on firewood. Clever. :)
Get enough people working a quarry and you never need to worry about stone again. I trade firewood for seeds, livestock and anything I may be short on... I rarely trade it for stone.
By trading it I always have a surplus in my trading post(s). By the time I have a midsized village that surplus can be >4000, so if I have a sudden upswing in demand I have a cushion that keeps me from being caught short.
As Sariah says, "Treat it like money" I know that works for me. The maybe not so unintended irony of the game is, you also burn it.
As for the main question, yes at some point when you have many more houses,you'll see the benefit of the stone houses.