housing on islands

[NegativeS]

Is there any detriment to not owning a plot, over an apartment?
(anything that wouldn't be applicable from a small to a medium or a medium to a large)

You can't use outdoor decor with apartments.
You can't customize the interior style of apartments.
You can't use apartments as an FC base. (And thus cannot interact with any system applicable to that.)
The smallest house is still larger than an apartment.
As far as I am aware, the future 'housing mirage' feature will not be available for apartments.

[Solowing]

You can't use outdoor decor with apartments.
You can't customize the interior style of apartments.
You can't use apartments as an FC base. (And thus cannot interact with any system applicable to that.)
The smallest house is still larger than an apartment.
As far as I am aware, the future 'housing mirage' feature will not be available for apartments.

It would be nice if apartments had a terrance where players could have a shared planting space like at the top of the apt.

I have no doubt in my mind that it's going to be an eventuality.

Yea you can, I used my own apt as a fc hangout while I wanted for a plot to open. Also you're naming fc exclusive features in a private housing setting. Pvt plots couldn't be used as a base either.
Now, naming all of that.Is it detrimental to gameplay and not have these things?