The thing is, when I said that I'm a packrat, I really meant it.
I keep buttloads of stuff for no reason other than to know that I have it available.
(I don't do this IRL, thank god, but WoW is the one place where I let the packrat in me loose)

After reading the suggestions and doing some reality check,
I figure 4 fully tabbed guild banks is a reasonable compromise.

This'll be after the epic mounts of course, so it'll be a while XD
Thanks everyone for your inputs!