I doubt Sega would do it, but I like the apartments base pso2 had, but feel they should elaborate/expand on that idea more for NGS. For example, instead of just loading directly into your instanced apartment, instead have it when you go to the housing(since it is an apt building) you first load into a lobby that's instanced. The lobby would have the standard material storage kiosks, a bar/lounge area to hang out in with a food vendor so you can get your food buffs here as well, and a couple mini games(think kinda like the casino mini-games from base pso2) to give some small fun side content and another reason to hang out there and be sociable with people(make the mini games multiplayer capable). Maybe add an indoor pool area since swimming is a thing now as well.
Then from there you can take an elevator(easy/immersive way to hide a loading screen) to the floor that your apartment is actually on. This way you actually have some neighbors but is still able to keep the "floor" you're on instanced to limit the number of players/objects to a reasonable level so the server doesn't implode trying to render everything. Again promotes social interaction as you'd run into your neighbors coming and going.
It'd also be nice if they didn't shaft FTP on housing as hard this time around as well. If Premium gets 150 placeables, it'd be reasonable to limit FTP to say 25 or so. Enough they can have any functional related items, and a few decorations, but not enough they can have a lavishly decked out apartment, because the 5 FTP players were allowed in base pso2 was laughable...and this is coming from someone who was on premium most of the time on base pso2. I always felt so bad for my friends when they get furniture items off of scratches and they couldn't use any of them at all.