I find myself disagreeing with most everything you posted. The Theme of Star Wars has nothing to do with wether or not the characters have or don't have houses somewhere. But When you get right down to it most of the characters do indeed have housing or rooms somewhere. While there are far more than just Jedi in game even they keep some keepsakes of their adventures.
Ship customization will likely never happen due to the sheer amount of cinematic cut scenes that occur in the players ship. So that only leaves housing for customizable living quarters. While there are of course planets where housing would not be a good idea there are plenty of places where houses or even better apartments can be created in separate instanced areas.
As for our characters just because you play them as restless wanderers does not mean everyone has to play them the same way.