There's a lesson to be learned here

[yexie]

There's a ton positive about it. There's massive groups of people that work together to get an FC house. Please tell me how big you expect a house to be if you take 4m and crop it down to 800k. Do YOU want a personal house that has a inside the size of a closet, and a lot only big enough for a delux garden? If we're going to talk about money and value to things. That's what you should expect if they add a ward for individuals and base it off current values of current sizes.

Think about it logically for a moment. If you lived in the game and it cost 4m to make that small house on that plot, you can't build the exact same thing on another plot for 800k.

In all honesty? I'd be happy with just the deluxe garden and NO house for myself, I like my FC house and my room there. I do want a garden for myself though so I can just open the garden patches on the FC lot for everybody.
My suggestion would be to make gardens an instance that you can zone to through a little door in your private chambers.
Maybe make it small/medium/large gardens that you can purchase once you own a private chamber.