Hmm.. the Suikoden series was all about recruiting an army (afaik, 108 characters in each game) and having a home base that you could upgrade. I've only played the first two..
The character from V matches your description and it was released for the PS2.. Yeah, Suikoden V would be my guess.
Dreamfall, sequel to The Longest Journey. The cd version did indeed come on six discs, which I wasn't aware of (I thought dvd's had become standard by '06, and I played the XBox version).
Hmm, that's an awfully vague description.. Can you remember anything else? How old was it? Did it run in DOS or Windows? Were the graphics EGA, VGA, etc? I'm guessing it was an RPG? Did you control one character or a whole party?
Could it be one of the Wizardry games, I wonder?