A smithing guild with a furnace, banker and anvils all within close range would be nice too but might make the long journey of 99 smithing too easy then. Just a thought
Meh, there are plenty of places with banks close enough. Al Kharid, Shilo, and even Falador isn't that far. An anvil is just a few steps away in Varrock. It's impractical to smelt and smith the same inventory, so odds are you aren't doing that.