Yeah... all of this ^... is a pipe dream and not going to happen. Yoshi already stated in that sticky topic that they were going to move ahead as is. >_<
The only way I see what they've done can currently be salvaged while maintaining their current path is something like the following:
1) Grandfather anyone who has already purchased a "Personal House" into their existing wards.
2) When new wards are added (or existing ones extended) make it so that the original FC buildings (S/M/L) are left only to the FC's.
3) In order make the most use out of the housing servers extend the wards by adding more S houses to them that can only be purchased by individuals; possibly at half the cost of the current S houses. Doing something like this would allow individuals and FC's to co-exist in the same ward without competing for buildings.