1. Houses. I loved having my houses in Daggerfall forward. Of all TES series, Obilvion had the best ways to decorate the house but it was extremely clumsey (took me 30 minutes to get all my useless keys into a bowl on the table). It would be nice if decorating was a bit easier to do. Perhaps have some furniture choices or the ability to pick a color for draqes, etc.
Sure, why not.
2. Banking. I loved banking in Daggerfall. It was much more realistic to have to deposit gold into the bank and withdraw it to spend it. The loan thing was fun too. Perhaps some enhancement to that as well
Realistic, but not necessary I think.
3. Clothing. It really bugged me that when I put a robe on in Oblivion, I looked exactly like a man. To look like a lady, I basically had to put a dress on.
Sure.
Clothing/armor SETS. It would be nice to be able to keep a set of armor or a set of town clothing on a key so I could switch between the two more easily.
Maybe, but not essitional I think.
5. Journaling. It would be nice to have the ability to keep a written journal in game. Something to keep my own notes, reminders to check something out later, questions as I move through the world and don't want to forget to work on.
Would be nice. You could have two sections, one of your own, and one of the game.
6. Voice consistancy. It was really annoying to talk to a begger who had a scratchy voice when they asked for for a coin. When you asked them a question, their voice completely changed - it was a totally different actor.
I don't think it will be an issue as they are hiring more voice actors this time around.
And for me personally as a moderate combat player who more enjoys the story line, beautiful graphics, emersion into the game world as opposed to dying all the time, please keep the "difficulty" slider. Someone had suggested that they don't "dummy down the game" but have the ability to dummy it down if you want/need to. I thought this was a great feature in Oblivion and when my character got too buff to make anything a challange, I would notch the slider up a bit to spice things up.
Side note: I absolutely love what I've read and seen so far. I will drive my family NUTS talking about this game for the next 10 months!