@drewbob7 I love the idea of NPCs wandering around although I doubt it will happen. Would be lovely to make them feel homely though, or to have your own home/house area to decorate... perhaps you can have an area like that with your ship outside, you can invite friends, when you're ready to sail you set sail like normal then you are teleported to an occupied outpost, in a similar way to now... I think this could also help with the problem of everyone having too much gold!! Give us a space of our own to customise! Or just allow for more more more ship customisation xD
I like the incentive of this idea though, to make outposts more homely and 'familiar' :) I know there are one or two outposts which I'd avoid because I hate the layout of the islands :P