I’m not sure it would take too much away from major hubs. I’d even be Ok with instanced housing not having access to the MB.

My vision of instanced housing is basically something like the Doma reconstruction, but more choices/less linear and on a smaller physical area.

Someone had mentioned Skyrim’s hearth fire expansion and that’s a good way to think..as “this will be your GC area..do you want a) a barracks/training hall, b) a tavern/mead hall or c) a more academic dorm.” Something like that anyway.