DDO

[Hasbinbad]

You can pick and choose content to permanently buy or have temp access to, or if you subscribe you get it all as long as your sub is active. It's alright if you subscribe or buy all of the content. If you don't, it's repetitive and you can't get beyond XYZ achievements (of course if one was especially important to you, the microtransaction involved to get the thing is probably not that much on its own..).