I'm sure this has been argued out of existence, but I really don't get why they don't just make housing instanced so everyone that wants one can have one. Personally right now, I'm happy with just my room in the FC house, but I do see the desire to be able to decorate your own full house and garden. The above suggestion of FC housing being visible and personal being instanced, is actually a pretty good idea. That way you still get the feeling of a community, but people that want their own plot can have it.