I think the personal homes will be more like large inn rooms or maybe just a private yard (no neighbors) with a house. Several reasons: Wards are fine for hundreds of FCs but they don't seem to scale to thousands or even tens of thousands of characters on each world. There would need to be like 200 wards per city. Also, the medium or large house seems too huge for just one person, especially considering the cost of enough furniture to fill it. That's 33% of each ward that would have no purpose.
But some of the decisions SE made about housing don't make sense to me, and SE has said almost nothing about personal housing, so I won't try to predict what personal housing will be like.


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