SWG did housing amazingly well for an early 2000s game, still one of, if not *the*, best housing system ever implemented into any MMO.
ESO has better instanced housing than PSO2, in my opinion. I like the idea of instanced FC halls but anything instanced should still have an outside garden- not likely to happen.
It could be worse; at least what we have isn't as bad as Mabinogi's tiny 30 day bid to rent houses or SWtOR's pay-to-expand & hook slotted furniture instanced housing.