I'd love instanced housing. I loved it in EQII. I have multiple houses there - a lodge in the snowy north, a quiet place in the trees, some rooms among the lizards, even a castle I got as a veteran reward. There were still wards so there was more than one entry point to avoid congestion. You could control access to your house and you could have pets wandering around. My froglok ranger's house is like a zoo.