They've emphasised the FC part of it quite a lot, so even if it comes for personal, I'd guess it'll be a few patches later, not at launch.

In any case - lol? How about actually giving us personal housing first? At the very least, make sure housing in general (lots of FCs are houseless too) is not a top-few-percents-only feature, before gating even more content behind it? Just that in itself is something that leaves a very bad taste in my mouth, tbh.