I agree with those who say a parallel shard would split the population up, and that would suck the big one.
A shard wipe, meh, I have no opinion one way or the other, I guess most of my guildmates and I would continue to play here because we enjoy the game and comradery more than the pixels we have accumulated.
As far as the housing issue goes, I think getting a guild town should NOT be an easy/cheap endeavour. I don't know how other guilds have managed to accumulate the real estate to establish theirs, but I'll share C^V's experience in getting New Windmere with you.
When we started C^V back in Feb. 2010, we found a small house spot 1 tile off the Vesper guard zone on the north side of the bank's west bridge. That was our guildhouse until April 2010, when the L-Shape (which is still our guildhouse) fell and we managed to get the spot. That particular house had been in and out of IDOC at least 3 times before finally falling. We camped the spot like hawks. We were a small guild with most of our members being new and inexperienced in PvP (hell, some of us still are!!), and yet we fought like beasts vs. the other players who wanted the spot, and we got it. We put 2 smalls there for a couple of days, went on a super farming spree, and when we saved up enough for an L-Shape (we couldn't even pool enough money to afford an L-Shape deed back then!!), we switched up the houses.
Keep in mind that the two smalls west of the L-Shape were owned by [+ -], and although their activity was already in a steep decline, anyone who has played this shard for some time will tell you, they were not soft players. After asking for a loooooong time, finally in june of the same year we finally were able to purchase those 2 smalls. At the end of june, the last small house north of the bridge went IDOC and fell, we also managed to get the spot. In September, the first small house off the bridge fell, and again, after camping the site, we got the spot. This is when we really could say we had a proper guild town and all it had cost us was 20k over deed for the 2 smalls we purchased and A LOT of work to get the other houses.
In November we made a huge push to purchase / place the rest of the houses in our town. After 10 months the end result was
New Windmere as you can see it today (sans the add-ons).
The moral of the story is that if you want to set up a guild town you'll need 3 things: work, patience and perseverence. Do not expect to be able to set up a guild town in the first month of play here.