Another idea would be to look at some of the cities in WoW for inspiration... we could recreate a starter area like Stormwind or Ironforge. Those two cities also have a tram station, which could be used as a major mine cart station, as well as different shops (armor, weapons, food) which could again be used as shops for the in-game economy and specifically for those items too. There are banks, inns, gardens, bridges, castles, cathedrals etc, so it would be quite aesthetically pleasing and probably make a good spawn area.
Stuff from LOTR like Bree and other big fantasy towns/cities are also along the lines of what I'd like to see as a spawn area, and they fit in really well with Minecraft imo.
I'm just worried that vincent's plan might be a bit boring (no offence, I think you did a good job!), and like Tefal said, those houses would be quite sameish, especially if you imposed height/size limits which you'd have to do, otherwise they wouldn't fit in. I just think we can do much better.