So I'm not really thinking about personal housing at all. I've done so much with the FC house and my personal room that I don't want to leave it.
So what exactly is the point of a personal house? Everyone at some point in their play joins an FC, so everyone has access to being able to purchase their own personal rooms (to which many people have already invested a lot of effort into making theirs' look awesome already).
Maybe all we need instead of personal housing is just the ability to be able to log out in our rooms? Like stabilise the server you are coming from so it doesn't load you into a weird space like it did sometimes before.