Just make a sluice and pan for metals, sheesh
Also, factions in TFC would work amazingly, just stop thinking of it as a get-swords-fight-dudes game and bam it's great
Especially since founding your own faction would mean a stuffload of work. The long-term value of things TFC adds would actually add some meaning to joining an existing faction, since you can't basically be endgame alone in an hour.
And forts and stuff would actually be hard to break into
I mean holy stuff why does that sound like a bad idea, at all
Another nice addition would be padlocks. You could make a padlock that comes with a key, attach it to a chest, that chest now requires the key to be in your inventory to open. Same for wooden doors.
You can make copies of the key by crafting it with some clay to get a mold, then filling said mold with metal and letting it cool, so you can let other people get to your stuff. Or hide another key near your house so you don't get locked out.