orcishgamer: In DDO you use Turbine points to get convenience if you're a subscriber (as said you get some for free every month). There's a few items that cannot be found in game (if you want to True Reincarnate you must buy the item from the store), really rare stat tomes are the same, you can find them but it's 1000 times easier to buy them. With that said, +2 to your main stat isn't going to make much a difference for anyone but the extreme hardcore.
I do recommend you buy something once, just to get Premium status (extra 2 character slots and AH restrictions lifted, may be some mail and chat bonuses too, not sure). Turbine has pretty decent event sales, their Christmas sale is really quite good so far as bonus points go. Their Christmas in game event hands out a crap ton of free "cookies" and treats that do the same as many consumables you'd have to drop gold on (in game people call it plat, as in platinum coins), so start soon.
Hmm actually you don't have to buy True heart of woods to TR, you can exchange 20 epic tokens for one.
Of course you still need to have bought a pack with epic quests and to be willing to do epics, not everyone wants to.
I'd recommend DDO as a good game as well, it has the best character customization in any MMO imo (ported from D&D 3.5 with some changes and additions to adapt it to an MMO) and the combat is fun.
There are no fetch quests either, all of them are a mix of combat, puzzles, traps and jumping parts (with various degrees of importance on each depending on the quest; some are just hack&slash, some are very puzzle or jumping heavy) that take place in separate instances.
There is a lot free content up to lvl 8 or so (out of 20), then it starts to dry up and you need to buy packs. OTOH, you earn Turbine Points from doing quests in the game, so by the time you get to lvl 8 you might have enough TP to buy a pack, especially if you play several character.
Like Orcish, I'd advise you to pay 6$ at least once so you become premium, it removes a lot of account restrictions. It's not strictly necessary if you're willing to farm favor, but it helps a lot.
Also, DDO is a pretty complex game, I'd advise you to research it a bit before playing, messing up your first character and finding out he's too weak to contribute at high levels is not much fun. The DDO
wiki is your best source of information along with the forums.
P.S.: What server do you play on Orcish? I mostly play on Ghallanda and Sarlona, but I have characters on all servers.