I don't see how a monthly fee's a problem since the adverage game nowadays is $50 and your paying what $15 a month? your saving money for a game you'll play for more then a week.
An adverage playthrough of kotor was what mybe a week? maybe less if you had item mods. Well the adverage MMO you can play for one character for months (if you like that class) even if you play a class that your not to found about you will still play it for maybe a few weeks.
Your probably saving money not buying a whole new game every month.