Clan halls would add more immersiveness to the game and improve the clan bonding experience. Individual player housing would add immersive qualities and does not have to be cluttering (it could be one structure-appartments, that portals you to your own private room to decorate). Additionally if housing is added to a new zone where the Trade Hall, Post Office, and Crafting Trainers will be located, it would be neatly organized and create a zone where people can spend time socializing, crafting, meeting with friends or clans, it could work if done right. Please see my thread on the creation of a new zone called The Settlements just for the aforementioned activities:
http://www.onethumbmobile.com/celticher ... ent#p84098
Thanks,
Gort