This opinion will be largely unpopular. I just want to inject a little clarity to the concern about locked content. This is not an argument about which is better or who should or should not have houses.
The elephant in the room which is never addressed is that housing content is only locked from you
if you wish to be the sole proprietary owner of the property.
Almost everything about housing is available to you as a non-owner if you are given the permissions or shared access rights.
The only exclusive rights a private house owner would have are placard editing, locking the door, and adding/removing people.
Everyone is capable of becoming a co-owner in some fashion. With the amount of empty houses people seem to find during their crawl through wards, I'm surprised nobody has asked those people to become their personal decorator or gardener. Surely there are a handful of people who would be happy to give you that right, and benefit from your decoration enthusiasm or gardening motivations.
Again, this is not an attempt to tell you that you should not pursue a house by highlighting the above. I want to simply correct the concerns about content lock-out to show you that nobody is locked out by SE, but only by your own desire to be the absolute owner.