I have not played the original dark cloud, but I find the garrison’s from WoW lacking from a decoration standpoint as @Shougun pointed out and the guild hall from Guildwars 2 is kind of a different concept, since it’s more of a zone to place things in (people usually make their jumping games in them) rather than a house with with interior design being the major thing (and exterior for the garden ^^). So you get all these ground patches and mountains and outdoor structures to design the zone that won’t apply to our housing system. It’s more similar to minecraft in that regard.

The decoration system we have in ffxiv is great, even though I’d like them to make the glitching methods part of the normal way to place things rather than glitch them there, but overall it’s great. In my idea, decorations would be as we have them now, limited to the house and it’s garden (with the item limit increased ofc because it’s instanced).
So the player would have a decoratable house and a customizable pre defined neighborhood where the areas we unlock are fixed (similar to the enclave) but the player customizes what shall be placed in the unlocked area with preset structures. So if 2 players choose to place a beach area, then they would look the same (except the location might change depending on which unlocked area each player decides to place it on)