Random raid finder? No thanks. That's a bigger commitment than a random dungeon. I don't know about you, but I have to be in the mood to raid a certain place.
Player housing? I seriously doubt this will be ready soon unless they have been fooling us this whole time. They have said this isn't even close on their radar yet. I think it would be a great idea, though. There are a ton of people who like the collecting and decorating part of gaming and it would probably sustain more subs if not increase them somewhat.