Personally, I think they should never have added personal housing at all and kept it FC only, by making it possible for players to own a plot, they created a never ending treadmill of needing to add and maintain more wards constantly.

The problem is that there are way more players than there will ever be houses, especially on larger servers, not to mention the fact that a personal house effectively ties you to the game, when considering unsubbing, you have to consider whether or not you want to lose your house, which is unfortunately necessary, given the limited availability of plots, but I feel that personal housing only exacerbated problems, I also feel it turned wards into literal ghost towns, back in ARR, I remember seeing lots of players around housing areas and new FCs would move in and bring more, after personal housing, all the houses were snagged up instantly and less and less people started hanging around, this will obviously vary, but this is what I have observed.

I liked the FC rooms and apartments, I would have liked to have seen those be upgradable or something, make em bigger, maybe even a balcony to use outdoor items, leave the wards for FCs, but alas, that's not possible at this point.