unsure why someone would pick UD/cleric over UD/warrior since you get diminished returns on UD/cleric with the race / personality bonuses stacking.

That being said... I'm not a fan of homes since it just allows you to overpop if you are chained and becomes empty if you are.

20% TG
20% rax
15% GS
10% Guilds
6-7% Towers
18% Stables
7% Libs (having 1k bpa)
3% Dungeons

Seems about right. WT's can be worked in if others in your kd opt for that... either you all run them or you all don't...