I'd like to add that, I started a 4-man FC 2 and a half weeks ago. We hit the 17mil mark (we had 3mil when we started) and hit rank 6 last night with one of our members inactive and the other being on vacation for the last 2 weeks. We did it with just two people. It's easily do-able. And yes, we're saving for a medium sized plot, have fun with your cottage, Ooshima.

So, rock on, OP! You can do it. :]