I thing in parts of guild wars the story could be considered good and you dont have to pay monthly..
and SW: KOTOR is great IMO (as is the sequel)

"The other thing i'm beginning to dislike about rpg's is the fact that leveling/powering -up still abides the dungeon and dragon rules you get to spent points to the attributes you would like, i would like to see a rpg where you level up based on how often you use a technique effectively"

If i recall morrowind (elder scrolls 3) works that way

I think there are some great games out there, you just need to find them, try games you wouldnt normally play, like viva pinata