Just a thing, what is *technically* the use of Housing ?

XP bonuses while crafting in a room made for it ? (let's say a kitchen for cooks as an example)

Increased rest bonus recovery in a giant FC dormitory ?

Or just a basic "see how awesome we are" stuff ?

In the first cases, I'll be for a decrease in cost even after the 3 month 50% drop off. This way anyone will be able to get it eventually.
In the latest case however, this is a pure vanity thing, and thus must remain what it is intended to be : vanity, and luxury. Leave it enormously expensive, make a lot of shiny stuff to show off how rich you are, just like what vanity must be.