The minimum acceptable situation

[Sindele]

For personals, I honestly think all that's really needed is size-upgradeable apartments with uncapped availability. If you want to load balance availability between wards, add an NPC that can point you to wards with availability.

It's the cheapest and easiest solution and the relative losses are marginal. So much so, that the fact that it hasn't already happened raises red flags with me about any other potential solutions.

FCs are more complicated. I have serious reservations about the scenarios that would arise from an uncapped number of FC workshops, and the solutions that would make it more permissible aren't terribly pretty either and mostly render the whole thing pointless.