http://us.runesofmagic.com/us/index.html
WOW interface, quests, skills, crafting, addon mods, instances and the choice between pvp and pve servers.
FFXI housing system complete with furniture and growing plants and furniture that has additional storage space, a main job/sub job system, the ability to hire a mount for 15 minutes for super cheap gold or buy a permanent one that you can use at your leisure.
it's a freemium model but you can buy the IM currency with ingame gold which isn't that hard to make, and the skill system is infinite ( as far as you wanna take it ) even when you reach max level you still gain the tp required to level up skills from killing enemies and doing quests.
*edit* the main/sub model in this game is limited in that you can only select 2 dif jobs to switch between but the level ratio is 1:1 so you can be a 60/60 mage/priest or priest/mage etc
**re-edit** there is an item that you get from spending the currency gained from completing daily quests that will "fire" your secondary so you can select something else, my mistake.
i play under the handle Xeredine on the Reni server if anyone decides to check it out
XI Wiki

