Quote Originally Posted by BucklesTrespen View Post
But even if I have a small house and everything in it - when I relocate I pay X extra (money no issue here) -- and then I get a generic version of the Shirogane one?

So small wood house - relocate - large wood Shirogane?
It also sounds like everything that is out at the time goes into the housing storage so make sure you have room between there and your inventory/retainers loaded also if needed.