From what they've said 3.4's apartment don't sound any different to what you get with an FC room, just it's not tied to a Free Company. They said somewhere (live letter?) that apartments wouldn't be able to do gardening which adds more to it just sounding like a room in a house, just SE is your landlord, not your FC owner.

Might not even be able to go in the house... and it'll just ask you which room you want to go into when you click on the main door... but we shall see!