I don't think a personal house should have exactly the same features as an FC house. You already get the garden, the stable and crafting stations in a personal house and you can queue for the Diadem without being in a FC.

The workshop gives FCs something they can do together and that's important to a lot of us. The Aetherial wheels and the Airships should remain FC exclusives, otherwise there is absolutely no benefit to being in a FC, in fact you'd probably be better off going it alone. As people have stated above, it's an MMO; you don't have to cooperate with others but you shouldn't expect to get the same benefits that are earned by people who do.