I made my own 'alt' guild as well. its up to rank 3 now so I have access to all 3 bank vaults (and shard storage) which is all I really wanted

It is easier if you actually have 2 accounts though. Anytime I need to send stuff to my 'main' character/s I just send them to my wife or an alt I have on my wifes account.

As far as it 'working' for XI, they are trying to avoid some of the RMT activities that went on with XI. I don't see them ever giving us the ability to mail to ourselves to be honest.