You are approaching it way too rationally and materialistically, life is not about counting or listing pros and cons. At least I never did it that way, if my heart tells me so - I'll do it :D
Why not, if I find the right person - I was ready to do it as 15 YO or even younger (! silly kid), no prejudices there.
Just, the "technical" part of finding the right one remains... =)
I'm kinda PvP MMORPG freak (make it medieval fantasy sandbox, please!), so Crowfall or Camelot Unchained are my picks.
For anybody interested, here are quick IGN Wikis on both:
http://www.ign.com/wikis/crowfall
http://www.ign.com/wikis/camelot-unchained
So here it is - https://www.youtube.com/channel/UCnMr2RChhgYe9XLZVEFUprQ
She talks mostly about incoming or fresh titles, lots of names I never heard of before. And of course, there's couple well known ones.
Say, Civilization Online (more-less random pick):
/watch?v=BKbsTkPhxhI...