this has a break down... http://www.everquest.com/free

Honestly, the biggest annoyances are AA. I can see AA unlocks getting prohibitively expensive as you advance towards the end-game. However, if you just have a couple of serious characters and a bunch of extra DPS and such, silver accounts are pretty viable. You can pay for the race/class unlocks you want. You can unlock several of the gold benefits, actually. [character slots, bag slots, AA...] But not all of them.

also you get station-cash for free for being gold. Eh...its not a bad system. Could be better. Beats full on subscription access, especially for messing around with alts. They aren't necessary, but for camping/grinding stuff, they are kind of useful.

I'm actually starting to think subscription games are bad juju for me. I'm just not terribly consistent, sadly.