yes, it's a monthly charge. But that's kind've what MMO's do. If you wanted to leave it for a while (Like I did, for about 2 years) then you can stop paying the monthly subscription. As long as you don't physically choose to delete the character itself (Which it would be pretty stupid if you did) then as soon as you decide you want to play it again you just reactivate your content ID and start paying again. You don't HAVE to KEEP paying when you're not playing to keep all your stuff. It also doesn't automatically debit you, so everytime you do decide to pay an extra month, it's always your own choice. The most you can pay in one go is 3 months. Also, you don't actually need a gold account to play it. So if for some strange reason you actually liked it so much but didn't want to be paying 2 fees, get rid of your gold and change to a silver Wrong, FFXIV is NOT coming to the 360 (Oh how I wish it was). It's only coming to PS3 and PC. You may be thinking of the new FF Single-Player game that is coming to 360 and PS3, which is NOT an MMO. The new MMO however is NOT coming to the 360. It's FFXI or nothing.
Final fantasy XI, Some Phantasy star game and isn't there some game called Conan or something i think that is mmorpg but im not sure if it's for the 360 I think it is though. With FFXI you only need to pay The fee for the game you can still play it with a silver account i think.
Have they announced an Elder Scrolls 5? Or do you think it will be for the natal with sword/bow action (i hope to god not, that just got boring in twlight princess when i played for the first time at a friends house)