I have tried several sites other than HG and one had things I really liked. 1. Once you went to a new area you could port there. Everyone got a book at log-in that gave them a list of every place they had been but only 5 were active at any time. 2. At some cost and after a length of play you couls buy a house only your characters could enter. It had a chest for storage and was a place to sort your hardware and organize before starting out. 3. Towns were set up containing the usual stores but with the houses of the players scattered throughout.
This forum is for suggestions for nwnx_exalt, a plugin for nwnx. It sounds like you want to make suggestions for HG, in which case the Thoughts and Ideas forum is the place to do that. Player housing isn't going to happen, however.