Ok so I found out that you can't even play as a loli in this game, not very interested anymore! Oh well.
B2P/P2P communities indeed have an interesting feel to them, it didn't save Phantasy Star Universe though. Also, being someone who usually doesn't get offended by what people do in online games, I wouldn't rate 'walled garden' as an important feature for myself. But that's just me.
Well there's always the Beast Master class, although its pretty limiting since its just that class that is kind of like that IIRC.