At the end of a long loot run or after finishing up an exhaustive Von run, I always feel like there should be somewhere in game that I can call my home. Logging out from one of the various taverns in a public area has always felt kinda unfinished to me. I would love to see player instance housing in DDO. To not over complicate things, just make the player houses exactly like any quest instance. Inside would be a banker, vendor, and preist (with the possibilites of more- PVP, etc). If I wanted to invite friends to my house, I could create a group or raid group to join me for a meeting or fun (bank is tied to grp leader's account and only openable by him).
Just a thought on how player housing could be brought into the game using the same mechanics that currently exist and using very little development time Essentially, it would be like creating a peronal tavern where I could retire for the evening.
Oh give me a home where the flesh renders roam and the wheeps and the hobgoblins play..