Re: Those of us who are not in a Guild...
I am in a Guild made up of some close associates, which I believe actually includes a few Central fellows who aren't that active anymore.
In our initial excitement, we decorated the Guild house with a bunch of our rare collectibles, including some of my House Guest collection. Nowadays, however, we don't do much; I'm probably the most active of the bunch and mostly play alone. Few of us are online at the same time now and we never got around to doing a Raid.
In the end, after Guilds is pretty much the same as before Guilds for me.
I am fond of Piggles. Heck Hounds look up to us. Fire Cats look down at us. Piggles? They treat us as equals.