My laptop was killed in action just before the Sims 4 came out. I've been on a trip for work for the last month with no way to play, and so I've been idling time making grabbyhands at other people's creations. /plays Sims 4 vicariously. I've been spending my time doing a lot of designs by hand via graph paper and stuff, so hopefully when I get home and have some time off I can build the entire neighborhood I've been planning out. I don't know how practical it is as an idea - I'm trying to figure out how to build bars and nightclubs and libraries and museums with a Roman theme, and trying to figure out how to bundle some kind of challenge into it. (From slave to Caesar, or something.)
I'm planning on, at some point, building a house with emotion masterpieces for every available emotion type - and probably sculptures for the different emotions, too. Make an Anger room and a Sad room and a Flirty room, etc.
That's a good question about the Frugal reward - I wonder if there's a static percentage decrease that stacks or if it's a 'one per household' thing. I actually like the higher bills - I think it diminishes the bloat that comes from having highly successful Sims racking up money and running out of things to spend it on. It also makes me think of the transition from one generation to the next. Ok, do I have enough money to get the next generation to high career levels before bills eat it all away? I would really like to see some sort of system of investment in the next expansion, so we can create wealthy tycoons over a few generations.