Yep, that shows that there needs to be some essential difference between the place called home and the whole outside world. In most of cRPGs I'm using one or more places to store loot, if it's impossible to sell it immediately. If so called "home" provides nothing more than a random place/chest/vacant building - what is the sense of the whole thing?

Now, I'm playing Lands of Lore. The inventory is quite limited in this game and you need a lot of specific items for the main story (which means you need to be wary with selling/dropping). It made me think of some place to store the loot and I've found that there are some empty rooms just next to entrance to Urbish Mines, the place linking many other areas. That location was ideal, but I've given up rooms and dropped all my loot... just at the entrance of the Mines. From logical point of view it's absurd, but gameplay provide no real motivation to store in storage, so I'm just killing the atmosphere of the game for my own convenience and just putting valuable items on the busy path... :/

If you could make something like this - what is the reason to bother buying houses?

I think you can build your own stronghold/village/town/thingamaton in Kenshi.

you can have houses in Fable series (fable 2 is only on xbox though)

In Divinity 2: Developer's cut you get your own dragon fortress

Oblivion (Elders Scrolls 4), Neverwinter Nights 2, Divinity 2.

Where can you build a house or a base in Oblivion?

Well, there is the Priory of the Nine. You could technically count that as a base, as you have to get it up and running again.

Don't actually know why no one thinks of Morrowind as a good example. You could build a complex almost exactly like in Skyrim.

Yeah, the noble domain you get to build in Morrowind if you ally with one of the 3 great bloodlines (a country manor for the Hlaalu, a wasteland fortress for the redoran or a mage tower for the Telvani) were pretty cool. Before I got it, I squatted in an empty house ("empty" as in "I killed the outlawed owner for the bounty") in the first city, but sleeping next to the rotting corpse of your victim is not the same thing as having your own home ^^

You can build a single building or a complete base, but you are always using pre-made (empty) buildings.

Have a look at Arakion, a first-person "dungeon crawler" where you're supposed to be able to build a town. It's been in development for a few years and will take a good while yet to be complete (it's a one-man project if I remember correctly), but it seems like it'll get on Steam Early Access in not too long for a first impression (at least a more "final" first impression then the alphas were).

I don't remember being able to do much with it, but I definitely bought a house in Oblivion some where... I'm sure there were a selection for sale too.

Rogue Wizards apparently contains some town building element and it's supposed to be coming here at some point I think.

[url=http://elderscrolls.wikia.com/wiki/Houses_(Oblivion)]Here[/url]

Well, not exactly building but you can own a house and decorate it. I cant really remember what exactly you can do since it has been 10 years but I thought it might be worth mentioning it.

That I knew about. I guess I'm splitting hairs here.

I really liked it too!

I think I picked it up back before I had a GoG account, from Amazon. Hadn't ever heard of the game but the concept seemed interesting and it was fairly close to when I jumped back into PC gaming. Plus I think it was all of $2 LOL. Fun little game. I liked the town building / upgrading and how that altered the equipment you could use and the party of characters you could recruit from your townspeople.

It was like a slightly less hectic version of the Soldak stuff with a neat basebuilding mechanic.

Nope real time - sort of a Diablo action clicker.

DISCLAIMER - there MIGHT be two games named Hinterland - this one is sort of iso / sort of over the top action-RPG where you build a small town that allows you to buy equipment / recruit townspeople to your "party" then wander out on a single map and fight baddies in Diablo style combat.