from how i understand, everyone gets their own ship to hang out in when not in the field. what i'd like to see instead is capital ships. i'm thinking, everyone gets their own crew quarters, like a hotel room, with a window overlooking the planet. and being able to decorate and customize our rooms with artifacts we find also there would need to be a large room (large hallway, like a Promenade or Zócalo,) that wraps around to form a ring, where people can get together and meet new people and form squads. this room connects to crew quarters via elevator doors, so that each quarters are instance. two other rooms connect to this large hallway: guild hall, which is also instance for each guild and the bridge. the bridge comes with large windows that look over the planet. also there is a holo map on the table in the center of the bridge, where people can talk strategy and choose where to spawn at via drop pod. i want to be able to look out the windows and see the many skyscrapers, towers, and turrets of the ship. (ideas that have been bouncing around in my head for months)
It has been said that people will be able to combine their ships together to form larger ones. Also remember these are warships too many windows are structural weakene- Oh. Wait. 40k.
This has actually been spoken to in some detail. If you do a search I bet it answers all your questions on the topic.
I do not think player housing is necessary in this game. Guild halls are a thing of the past. People comunicate with each other these days via TS mumble and all the other VOIP systems.