At least once per day, someone in general chat writes something like: "I can't believe this game is free."
Based on 3.5 Ed, DDO is a decent, instance based MMO. Everything is a dungeon; all exp comes from quests/finishing dungeons (one cannot simply grind mobs for exp). Because it's instance based, there is no PKing and no griefing. PvP isn't all it's cracked up to be - this game is, in my opinion, mostly a PvE MMO. One can solo the dungeons (although this is tough with a wizard/sorcerer), although getting a balanced party makes playing through them on the "elite" difficulty setting go much more smoothly
A free player can get to the same max. level as a paying player (level 20). Everything is available to one who simply wishes to grind, although buying all of the adventure packs simply by grinding would probably take a couple years.
If you like MMOs and you play (or have played/liked) D&D, I suggest you check it out.
Light thinks it travels faster than anything but it is wrong. No matter how fast light travels, it finds the darkness has always got there first, and is waiting for it.
-- Terry Pratchett