Originally Posted by rjshae 
Yes, the omnipresent player's house — a solution still looking for a problem to solve.
Sometimes you wish this forum had a "like" button. I never really understood player housing as a concept. Strongholds with lots of quests tied in like in NWN2, hell yeah. But a house? But…why? I could see the point if you had really strict rules on resting and camping in the wild was really dangerous and inns really expensive. But that would be just what you mentioned, an added problem for the house to solve.