I hear ya. I'm very new to MMO's and don't know which one would benefit them the most though. Only reason i started DCUO was it was F2P and you only had to spend money to buy the cool stuff, DLC's and whatnot. It seems to have worked for them. Don't know how i feel about only getting up to lvl 15 though, endgame is what it's about imo.
I played dcuo for a bit but I hated everyone who played and the end game content. I played The Secret World beta and it was great; best MMO since preexpansion WoW. I'm not playing it though since I don't have any friends who are playing it and I don't like monthly fees.
SWTOR is just SWG the update; terrible game.