All the "good" role-playing games are just major grind-fests and cash-sinks from what I've seen. I've never touched WoW, but I still laugh when I see related graffiti on bathroom stalls. Who writes "Level 60 Night Elf w/Epics" next to a toilet?
You've described online RPG's perfectly, I'd rather play single player RPG's. Mass Effect, The Elder Scrolls, Tales of (Vesperia, Symphonia, etc.). They're more story driven, and thus, you enjoy playing the game that much more.