I hate to be the pessimist here, but trying to get a a good deal on this game is an oxymoron.
Average price of Final Fantasy XI $99.95 (PS2) or $49.95 (PC)
First year of play (12 Months - 1 Month Free) X 12.95/Month = $142.45
Total Price of Game After One Year: $242.40 (PS2) or $192.40 (PC) Depending on your platform of choice.
Oh, let us not forget Taxes if applicable, Shipping if applicable, Expansion Packs, Additional Characters, and the Opportunity Cost (Read: Time Wasted Not At Work/School).
for your second year, assuming they do not increase subscription rate, just take ($12.95 + ($1.00 X Number of additional characters)) X 12 Months.
Sorry, could not resist. As you guessed, I can't fathom purchasing this for anything else other then it being Final Fantasy. Think I'll wait, pick one off of eBay complete and throw it in my Final Fantasy Collection. But it has a Hard Drive you say? We installed our own.
Square Enix/Sony aren't just making money, they are minting it.
Flamesuit on. Check.
Fire Extinguisher on Hand. Check.
I'm ready, let em rip.
Chris.