I got GW:Factions during the Circuit city glitch, for about $5
D
I don't play is so much, right now, because it has a tendancy to crash my computer, but yeah. The maximum level is 20. When you put points into a skill, you can take them out later, and put them into another skill. So, it's less about OMG lvl UP TOO 99! And more about balancing out your character, for which skills you want to use. Also, some quests will give you more skill points, to use.
Like Mash said, you really only get the massively multiplayer experience when in towns. When you're out in the forrest, or whatever, the servers create you your own copy of that forrest, so it's just you, whoever's in your party, and monsters.
On the otherhand, no monthly fee. Which is good. On principle, I refuse to pay a monthly fee for a computer game.