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Ships & houses 
 
1. What good is a house?
A. At the most technical, it's a place to store spare stuff. You can drop it in the floor, and it'll be there when you get back. Other than that, it doesn't have much game use. See ships for something more _technically_ useful. For us hardcore fanatics, a house is more than just a place to store our stuff. A house is where our alternate identity LIVES. It's nice to finish up a quest, and come home, take off your adamantium boots, and chill for a bit. It adds to the ambiance of the game.
 
1. What good is a ship?
A. Like a house, a ship is a good place to store stuff. However, it also allows for zero cost for traveling by ship. It can also be accessed from anywhere, simply by changing travel mode to "Ship". This makes it much more useful in a house.
However, in the opinion of many hardcore fanatics, a ship takes away from the ability to suspend disbelief. The ability to board it with the click of a button, the fact that you can't go into port and see your ship among others, etc. takes away from the ambiance, IMHO.
 
3. I put my things into my cupboard and now they've vanished!
A. Things in the cupboard just vanish. The latest patch doesn't fix this, it just denies access to the cupboard. Advice: just leave stuff on the floor.