Darkfall.
mature game... full pvp although most cities are safe unless being sieged or raided.
no classes, make your own class... be archer who does magic... or full mage.. or half archer half warrior, although wearing full plate slows down magic. you get the idea
Everyone uses a mic and ventrillo and are very helpful.
Dont let the graphics fool you.... 100 vs 100 sieges are epic.
http://www.darkfallonline.com/index.htmlnot to mention the huge ship battles and fighting the kraken and dragons etc etc etc etc.
Probably the biggest turning point in darkfall and most important battles ever... after this battle the Death alliance quickly demoralized and was destroyed.
http://www.youtube.com/user/themercsdotorg#p/u/16/dPQwfKzV4-Esadly i was one of the people to get raped in this video :(
oh ya, its full loot btw you die and your gear drops. but theres no like handicapped LEGENDARY SWORD OF DOOM type of stuff so.