i DO like the idea of houses...although i think it makes the most sense for Disney to simply put a door on the war class ships cabin.
This would do two things...give lower level players more incentive to earn gold to buy these ships because they come with a home and it eliminates disney from having to build extra islands.
They could include this in the ship customization release i've heard about (if it is indeed a reality)
Once you buy your war class ship you would have to do another quest to get the key to unlock your new cabin. something like sink 5 collosuses (sp?) and 5 dreadnaughts.
the cabins would be different sizes depending on which ship you have, with the frigate having the largest.
Once unlocked you could buy everthing from furniture to display shelves for all your treasures and you could hang the nine rouges on the wall, set up the chess set, etc.
it would also be a place where you could change your pirate duds and buy wardrobe closets in differnet sizes so you could actually buy more stuff.
furniture and other items to put in your cabin would vary in price and quality (i.e. hammock would be low end, ornate four poster bed high end).
and here's something that may work...once inside no one could teleport to you.
you would have to walk out to the ship's deck before someone could visit you...once aboard they could come inside.
however once inside you are still vulnerable to attack while on the open ocean.
i would love this addition as i need to do something with all my gold...i'm almost maxed!