I'm actually liking The Waerd enough that I might just go all in on them.
The communal property thing isn't really all that big of an issue if you think of them as doing it more out of necessity, and desire, vs. it being some type of penalty.
It's a philosophical thing.
Doing unto others as you would have done to you vs. Doing unto others before they do unto you.
Lets say I don't have to have all the tools needed to raise a barn for my farm. I alone then would have to invest the time and money necessary to make a whole barn by myself. Or I can get my neighbors to all pitch in and we have a big ol' barn raising party instead. And if they all pitch in, why wouldn't they think they could store a cow or two in my barn, if they needed to, until we can all get together again and raise them their own barn too. It would be rude and socially unacceptable for me to think otherwise. Over time, as long as we all work together, everybody gets their own barn. Picture it more like the early American settlers, or the Amish, instead of todays society.
It is focusing The Tribe and The Communities needs to take precedence over personal ones. And it is precedence, not to the exclusion of. You can have your own stuff. But when the larger needs of your brothers call on you to pitch in, then what will you do?
If you have the only hammer, but I know you will let me borrow it when I need it, why would I then steal yours? I would just be cutting off my nose to spite my face. Instead I can put my time to better use, for both of us, by making a saw, that neither of us has, that you can borrow from me when you need one. Your hammer now is two hammers and my saw is now two saws, It is both yours and "ours" at the same time.
And should some "outsider" try to take your hammer? Then he's also trying to take mine. So it also promotes a community that bands together for that communal protection. I got your back, bro. You touch one of us, you touch all of us.
I know that's a radical thing nowadays, but it actually was what was most common for most of history. Personal property, and all it's pluses and minuses, is actually a pretty new concept for mankind as a whole. The less stuff you had, the more you needed to pool it to keep everyone alive.
Another way to look at it is the strength in numbers philosophy. On one hand we can all gather around the big communal fire and cook everybody a big pot of stew that feeds us all, then we each take turns watching for attacks while the rest of us sleep. Or you can go make your own tiny fire, eat whatever you, and you alone, have, and hopefully can get some sleep, since only you are on guard to keep the monsters away. Force multiplication is the military term for it I believe. Also makes for a lot nicer camping trip, lol.
Just a different way of looking at the world.
The Waerd culture values being "together" in their struggle to stay alive.
None of The Waerd are every truly "alone" in the world.
"A Mann can be an Island...But The Waerd are all links in The Great Chain of The Two-Fold Queen. Mysterious may She remain."--An Ancient Waerd Prayer.