I think your background makes more sense as to what housing you have available at first, especially if background is locked in like race (which I think it should be).
Regarding timing, I have a feeling that the end of Act 2 will lock in your decision regarding the parasite, including the possible removal at that point. Act 3 seems like your concerns become greater, but less urgent. I.e. dealing with a political situation that could take weeks to resolve. Hunting down conspiracies and dealing with the Absolute.
The PfH showed off things that take time to build up in BG, like characters responding to your actions in the plot, a newspaper printing up what you'd done in the last few days, and having time for full on dates.