Not to deter from the current conversation, but the price of personal housing/housing in general for me is extremely worrisome. I don't want to see guild HQ or personal houses be something extremely exclusionary as it sounds it is intended to be. Everyone should have access to an average quarters (my preference would have been instanced) and have room to expand upon it if you do in fact have the extra income.
I fear the cost and limited real estate will drive up demand for RMT purchasing, drama over grand company HR issues, hoarding over resources etc... I just don't see why it isn't something that is already a right to every player regardless of status or funds.