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In my opinion, its better to level the bank (with gold, not crowns), as you will have to travel to the house every time you need something from these chests. You can also buy backpack upgrades from the pack merchants.
However as Wolfstorm mentioned, you will recieve one for free when your first character reaches a certain level. (I can't remember for sure exactly which level, but I think it's around 18 or 20)
You can also obtain them via Master crafting writ vouchers or Tel Var stones.
You can find info on the storage chests here -
https://lovelynorth.com/home-storage/
and yes, the banks are the same all throughout Tamriel, and yes all your characters share the same bank.
Yes.
With the Tamriel Crown Exchange (TCE) you could get a 60 slot chest for 350k gold right now. No tell var, writ vouchers or crowns needed. You're farming gold anyway, this just gives you somewhere to spend gold (after bank and bag upgrades of course).
(In b4 "TCE is an evil mafia cabal trying to control the crown exchange rate, buy from zone sellers for cheaper!!" I have never been scammed on TCE and I did lose 410k to some seemingly perfectly nice zone seller. I'll take the higher exchange for the broker guarantee thanks)
Just a note on something you wrote here.
You don't have to spend any gold to teleport to your houses, it is free. Using wayshrines is free too, as long as you teleport from one wayshrine to another. You can teleport to players in your guild, friends list and your group for free too.