I believe a few are starting to come along in which you can have a full experience without playing a nickel. These few are structures in such away that there are limitations on bank space, bag slots, mounts, pets, clothing, but nothing that getss in the way of or hampers quest completion or crafting or what have you.
I can attest to this fact as I played Runes of Magic for a good month or two. You can advance dual classes, but you have to alternate as each one levels. I had one that was level 20/20, but I cannot really remember what the classes were. It has been over 6 months.
The bag space and bank space were not too limited at the time. Not having a mount was irritating, but since the travel time hoofing it was all you knew, it was not a big deal. Instead of your $14.95 per month…one month you buy a permanent mount, two months later you buy an extra bag space. I never invested anything, but if I had liked it a bit more or it had been a little more original, I could see where I would of…say if they had had a really cool crafting system instead of something similar to WoW.
Runes of Magic llifts plenty of game mechanics from WoW, so it was not like it was a completely different experience, but it did add a few of its own twists.
Plus, the AH allowed sales of the “diamonds”, which are what you purchase for real cash. So, at the time, in theory, you could accumulate enough gold (or whatever it was called) to buy the diamonds to get the mount without spending a dime.
How much things have changed in the interim, notsure, but I do not believe drastically. I enjoyed it for the brief time I played it.
That said, I would say the other 95% severely limit gameplay without spending cash. In addition, the gaming experience is not a rich even if you do start buying a level 20 mining pick or purchase something to remove other restrictions. I think developers that want to put in the time, can create a world like Runes of Magic, but I would think it is more difficult and harder to balance and therefore more time consuming. If you just go straight item Mall, then you skip a lot of that trouble.
As I said in the other thread, for a while at MMORPG.com, they had a weekly column and Top Ten that looked at this very issue. They would describe whether the game was playable without having to go the entire item mall route and even describe in varying degrees how reliant you would be on cash. The ones thaat he deemed relativelly playable and still have the flavor of a monthly charge MMORPG he would rank at the top. Then he would rank the others that would most likely require cash, but were still enjoyable and not crippled by the item mall. Runes of Magic and Atlantica Online seemed to consistently be his favorites.
I still dislike the idea, but I am afraid it is too profitable having that format and helps compensate more effectively for continuing development costs early on. I have gradually and grudgingly accepted that many newer MMORPGs are going to use this model. Reading reviews in various places, will hopefully, identify the ones that could be worth my time. Plus, they are always free to play, in full, without paying a dime. I have not done this outside of RoM, but do plan on giving Atlantica Online a try as all of the combat is, supposedly, turn based.