I'm actually in the same boat as the OP, more or less. I knew I'd lose my home, but was mistakenly under the impression I'd still be able to reclaim some of my gil/furnishings from the NPC. What really gets me is that I had quite a few furnishings paid for with real money through the mog shop. And yeah its my fault I guess for not being aware of the 35 day limit, but I'm at a loss as to why the limit even exists. Don't they want players to come back? I was sent all these "come back to eorzea" emails, but when I log in, I'm greeted with the realization I'd lost pretty much all my stuff, and frankly my first thought was to just log out and play something else.