With gear for melee, ranged, trapper, caster, healer, and tanks I've leveled up bank toons just so I could keep less used stuff in a TR cache. If the TR cache can't move with me, I'm not going.
Guilds represent real money, not just renown. The ships and most of the amenities are items we purchased. I'm not interested in asking the guild to chip in and buy the big boat again.
You could give every guild leader a guild renown token, much like the saga xp rewards. Level the guild up to 200 in one click. Comp us all the big boat, and make the amenities free (or 1 ddo point). That takes care of the guilds without actually having to transfer them.