I've played them all, and I have to say, I'm an avid DDO fan. It has it all - excellent graphics (no "pop-up" looking bushes like WoW), thoughtful and varied quests (there's not just hack-n'-slash, and there's a 'solo' setting for most quests if you're a loner like me). There's quests that take real talent outside fighting - like one which is basically a huge, really fun obstacle course in the pirate world. And because everything works through private and public instances, there's no need for stupid mounts, because frankly, you're not going to be running all over creation to get where you need to go. I hate games with huge travel time. It's free, and offers two pay-to-play options: you can buy points to buy specifically what you need, or subscribe and get everything opened up for you. Cheaper than WoW.

There's only 20 levels, but don't be fooled- level 20 in DDO is like level 80 in WoW - legendary and very hard to achieve. You have to fill your EXP bar five times per level.