Can we please just have instanced housing already?

[Shougun]

I don't think you could have chosen any worst example here.

Airship is a FC feature and gardening is available for appartment.

Unless some update flew me by you need a FC Workshop to do submarines and airship and you get a workshop by having a house. Meaning FC without houses are literally without a part of the FC content pipeline. You also need the workshop for some other unique FC features beyond airships and submarines (like aetherial wheels). Less importantly but something I like is the shared stable too- as I like to feed everyone's chocobo everyday.

Also for gardening you can't cross breed which is pretty important for gardening. The value of gardening is much higher when you can cross breed (much higher). There can be some nice things to grow in a pot that you don't need interaction, but without cross breeding you're going to miss a lot of good stuff and good cycles particularly (getting seed you used back or rare seeds you don't want to go farm).