@Mirgannel12 While that is personally what you are looking for, most of the other players looking for unattached personal plots want to do so for the purpose of being able to build higher level crafting stations unattached to the City system.
This means that although this would work for your preference, it doesn't fit most of the preferences of those others looking for wild plots.
The resident system works better in this regard, because it is attached to a city's tech tree, but independent of city sieges and can be claimed by any with the gold.
Also, Small towns don't really make sense in the long run of the game, as you describe them, with limits on growth, because eventually, because of limited resources/realestate, any small town would need the capability to become a larger settlement, especially with the siege system in play, otherwise those small villages could be too easily overtaken by sieges, and it wouldn't really make sense that just being small would exempt a city from a siege.