I'm wondering if i can get a few facts of which i'm not sure.

I do have my own Free Company house which i purchased a long time ago. currently i am the only member in my FC and i planned it out that way from the beginning (although i wouldn't be opposed to anyone joining at this point, it would be nice to have some help).

what exactly are the differences between FC and personal housing? in personal housing, do you get the extra storage space like you do with a FC house? i'm guessing you can't do any FC actions or get a FC tag over your head, design a crest, etc.

because what i've been doing (and maybe others can do this as well if interested) is creating new characters and having them join my FC. recently one of my characters gained the ability to get their own retainers. now although it might be a little time consuming, this effectively gives me the ability to have almost as many retainers and storage space as i want (at least having up to 8 characters, so 16 retainers). i can use the FC chest to move items between characters.

it seems like a pretty good idea and i dont have to pay for extra retainer services. i'm just wondering if this is only an option for FC housing because of the storage chest, or does a personal house also get this extra storage?