I just came back to the game after a 6 month break to find the Free Company I was a part of no longer exists. I quickly joined another and re-purchased private quarters, only to find all my stuff is gone.

This is an extremely poor game design. The amount of time/energy/material and money I spent on items completely went to waste. A player cannot help the fact that Free Companies disband, so why would you ever have the game delete all of those items? It makes no sense. It's bad enough the game charges you over and over for private quarters, another silly design, but deleting the items is a whole new low.