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Depends on why you play games.
If you play games just to get to the end, FFXI and every single other MMORPG out there is not for you. You'd be better off playing console RPG's.
If you play games to have fun actually playing them, then you'll like FFXI. What's the point? There is no point, and that's the whole point. The point is to keep playing, and playing, and playing, until you get tired of it. Not until you get to the end.
It could be considered a "glorified chat-room" if all you plan to do is sit around and talk to people, but there's a lot more things to do than just chat in ANY mmorpg out there, it all depends on what you make of it. I prefer going out and killing monsters with people rather than just chatting with them.
And the monthly bill goes towards the maintenance of the servers that it's all taking place on, because there are thousands of people online at all times, and they're constantly pounding the server. They need to be able to pay for the bandwidth, and they need to be able to pay for the server upgrades, and they need to pay for it constantly just as we're paying for it constantly.
The price is going to be 13 dollars a month (the same as Anarchy Online), and from what I've played, it's well worth it. Even if they only allow you to create one character on your account. There really is no reason to create more than one character anyway, as one character can switch jobs at will without losing any levels in other jobs they've leveled up in. Switching to a new job is like creating a new character in itself, except with all of the same stats and items as your other char (because it's the same guy).
So yeah...
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