Okay, so I'm a packrat, and I'm faced with a dilemma.
With 5 accounts, now I can make more mules than ever, and item transfer is simple with a common guild bank.

But, I can also go with another setup where I have multiple guilds/guildbanks on my main account.
This way, if I ever cancel my 4 accounts I still have access to all my goodies on the main.

I think in the end I'll go with a hybrid solution, but I'm just wondering what kinds of mule/bank schemes you guys have tried, especially for the hardcore packrats.