With the (confirmed) addition of minibosses in dungeons, I'm pretty sure that there will be better loot. I don't know what to think about chests inside houses, but could be awesome if there were real-hard-to-get chests with non-leveled loot inside in some castles/stately homes, etc...
yea, i just never got why someone would bother to make a really hard lock to pick if they werent going to have anything special in it, maybe the chests in wealthy homes could have a lot of money in it, and not just 500 gold, which is not even good enough to buy one crappy sword, not that it was hard to get money in oblivion, but all i say is to put money were you expect to find money, like in a wealthy house, the end of a dungeon, and not on a glitch.