I would like to make a suggestion that the guild armor contracts be changed in how they are applied.
i would like it to simply be an add on (or decal) you can place on any armor.
That is to say, you buy the emblem item, and then can place it on even a cultural armor, adjusting where it would appear on the given character model, restricted by what item it was being used on.
ie. if you used it on a cultural armor top. it could only be placed somewhere on the chest/back.
I would be much more inclined to using the guild armor then, as i am sure many others would be too. This would add a great deal of customization and allow members to show pride in their guild without the cost of loosing a certain look.