Yeah, personal housing will likely be a nice chunk of Gil. I might just stay with my FC room until later, despite needing/wanting a place in Ul'dah [superior location, IMO.]
Unless a bunch of Gill falls into my lap, personal housing will likely be a while. But, let's face it, it will be a while anyway, considering it likely won't make it into the game for a decent amount of time.
I'm not so sure I would want to trust my loan to someone who doesn't yet have an avatar on the GAF guildworks site. It seems kind of shady, IMO.
Yeah, if they make it unable to kick someone in the FC if they have a room, there's going to be a lot of trolling for sure. The only thing I can think of is that, as I mentioned earlier, when someone purchases a room, it can be used in any/all FC's. That way, if the guild leader has no choice but to forcibly remove someone from the guild, that booted player still has access to a FC room, but not in that particular guild. All of their belongings and such will remain, since they're stored on their retainer. Of course in-room items will need to be replaced, since that's with the Free Company.
I know they said that a player can't be removed if they have items in an FC room, but if that's true, I can see a lot of "griefing" from discontented players.