Recommend me an mmorpg where the player has the option to completely change his build without having to pay. Or xp being for every class or something. I also want challenge, meaning loosing often enough, or at least the option to play on hard enough difficulties. Pvp in guild wars counts although its not really an rpg. The the mod that allows a player to respec all his companions in DA:O is probably a better example. Another way to put it is I'm looking for mmorpg with the most thinking required.
I suspect this request wont get many replies so whoever sees this thread just tell me the one you know that best fits.