Yeah THIS is probably a safe bet for "what most players want" (at least most players who have been unable to get a house) regardless of which they prefer of the two systems we've had.
I like this idea! Keep the current wards with the current system, add instanced districts elsewhere, keep the limit at one house per person regardless of which type they get, and let people move from the non-instanced wards to the instanced ones (with the opportunity to upgrade to larger plots) to encourage people to help free up the existing wards for those who REALLY want non-instanced housing, vs. those who'd be happy with any kind of house.
Though one good exception to the "one per" rule might be: if you already have a FC house, you can still buy a personal instanced house? I dunno how people would feel about that. I don't run a FC so I'm not sure if those who do are sad they can't get a personal house if they have one for their FC?