I’ll second the player housing in SWTOR, or even the Guild housing in SWTOR or the “Guild” (called Supergroups) bases in City of Heroes/City of Villains.
The costume designers in both of those games were superior to the Transmog system also.
And, yes I like the conversations in SWToR, but understand that is a massively expensive undertaking, and will never happen… nice, but not worth the cost.