Fair enough, I'll give you the team getting tied up, but I can't begin to comprehend the server load problem. WoW added garrisons which are unique to each character on your account, so if you have 8 characters, you have 8 customized garrisons. Star Wars TOR added housing and allows each character on your account multiple customizable houses. And Star Wars went free to play a bit ago, so I simply cannot believe in any way, shape or form that with a very popular subscription based game that Square can't afford to upgrade their hardware.
As for the team, square should be measuring making a couple hundred homeowners per server happy vs. thousands of ticked off FC's and individuals who won't get a damn thing from those housing upgrades because they can't actually buy a house anyway. Sorry if it does push back some fixes or upgrades, the great majority of us who can't have a house really don't feel that bad if the few with them have to wait a couple months extra for some of the changes.