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I feel player created Buildings and structures in general can be similar in layout but a player would then have to decorate/equip it in their own style to personalize it. Tract housing has been around for a very long time it is because of efficiency and its economically sound, the way to make something yours is what you do with it when you have it.
I think there should be at least 1 npc to guard your structure while you are in game that sends you a pm then runs away when you get there telling you this is your problem deal with it. Then if your building is attacked while offline you should have 2-3 npcs each one about half your strength that will fight for you. You could even have the game send a text saying your building is under attack. These suggestions are privately owned buildings such as a house or watchtower, maybe even an inn (if a single person can own an inn, which I hope they can).