regarding the Online games;
the visuals are offcourse acceptable, but the main thing i have against a game that is online only is that storywise the game lacks terribly; " come on dan66, ironmaidenfan1971 let's go and find the monster.
But i am affraid that more of these games will pop up in the near future because they are a steady income to a gamedeveloper with those monthly subscriptions.

Regarding the fact that not everybody has a highend pc; i thought there was a technique similar like how torrents work which uses CPU/GPU performance of an individual and adding them to the server making the gaming experience the same for everybody(don't know the technical side of it though)