Honestly I'd say let the FC homes be in the places we have now, let personal housing be in its own instance much like, sadly only thing I can compare to is Runescape haha. Let friends visit but honestly, how many of you actually walk into other peoples homes to look at the decor? Its more for personal taste and use anyway, I stick to my FCs house and that is about it, being in a void of just my own home would do me just fine. Hell that would also open us up to our own personal taste of scenery too.