Well, if the guild is providing all of that, it's somewhat reasonable to take a larger cut. I don't have a problem with that. It makes sense in a way and no, it's not fair, but if you look at most unions today, you rarely get what you're paying for in value on an individual basis and other organizations aren't that much different.
The problem I have with crafting rules is mainly that you can't really make anything out of actually crafting things. If you craft a shield, for example, you'll only get half value, after spending a third of that value, so you won't make much, even on magical or masterworked things when you take into account the feats and other sacrifices you make for it. Masterwork tools and a place to work helps on the actual making, but not so much on the other end. Aside from saving yourself a bit in character generation, crafting has always seemed pointless, as well as the feats to do it well. If the income potential was adjusted, perhaps as much as 75% value through the guild (Offering the items for sale for you for example), it makes character development in that direction much more appealing. Still, something to think about for the long term since magical items are almost a must when you get to even mid-level areas.
I'm not sure that putting combat into a side thread to work out actually saves either time or effort. You still have to work out rounds, actions and rolls. That will take just as much time on a side thread as it would in a main one and in the mean time, the main thread is waiting idle while you more or less do the same thing else where. The sad truth about nearly all RPG's is that combat is designed to take time and when everyone has a different schedule, it's only going to take longer. Unless combat is extremely simplified to "I attack Orc #3 and kill it... I roll a 12!" it's only taking the same effort elsewhere.
The real time savings of side threads in in interaction. Rather than bog down a story, for example, between Baris the Fighter and Sasha the Wizard having a discussion on whether blades are better than spells, the story can go on while that's played out in the side-lines.
Just my thoughts and no offense is intended.