I take some pancakes with maple syrup and coffee and sit across from Aions,Chiyoko and Cordellia, staring at how the warm syrupy substance trickles down from the food.
I have the exact same problem. If your happy with your villagers, I suggest putting in your 4th character. I'm stupid, and planned to fully decorate all of my characters, so if my Dreamies decide to move out, I can't plot reset. What you have in your mind is the right track.