Ok, I'm all for having a company expenses pool but what I meant by "I'm not certain what that actually means" is how are we going to do it? 5%? 10%? An equal share or flat fee from each of our adventures? The everyone pitch in approach (I'm actually somewhat partial to this one since it wouldn't require the players to manage another set of finances, although it has some serious drawbacks, as well). More importantly, who's going to manage the use of it? I, as a player, sure don't want to.
I like the idea of having merchants move in and of hiring guards (could provide some good connections and even plot hooks), but I don't like the idea of managing that side of things outside of play. That said, do we have anyone that's willing to tackle that task as a player?
Also, if we do end up going the route of relocating merchants and hiring guards, we need to be really careful not to open ourselves up to a flood of problems. The guards and/or merchants could end up being thieves or even spies for someone (like a villain) that wants to keep tabs on us. It's especially a concern with magic. Opening this door puts a lot of people in our home with an excuse for being there. Still, Kor is definitely not opposed to the idea and would support moving Skie to the base if we're going to allow merchants to take shop there. Oh, Kor would also suggest setting up traps (mundane and magical) to add a higher level of protection to our personal areas.