I don't see how this would be possible.
It'd be cool, don't get me wrong, but we don't have the programming available in game to do that.
You're right except the last part, it's not the programming or the resources, it's just the time it would take to do it, Bethesda only has a little over 6 months left, so between the debugging, beta testing, final tweeking, packaging, licencig crap, mass producing games and sitting there making us beg like a dog with a treat held over our noses, they couldn't add in a building with a bunch of decor sets and a massive recruitment/establishment questchain for the player to get a crew toghether and a base of operations going.