If you find a game that fits your criteria, let me know.  I will go play it with you.

City of Hero's fits most of your criteria except its not classic fantasy.  Lord of the Rings is shiny, but I find the classes are a bit flat.  Runes of Magic is a great free to play and probably fits your criteria best. but, like LOTRO, I find the combat a bit dull.

For myself, I am going to Aion.  When it goes Open Beta I suggest you try it out and see if it "fits".  It won't be a perfect fit, it isn't a perfect fit for me either, but it will probably entertain you enough till the next big shiny.  

You could also give up MMOs entirely for the time being.  Dragonage Origins is comming out in November and is looking to be amazing.  I realized ages ago my problem was that I wanted the same things from my MMOs that I wanted from my Single RPGs (Oblivion, Fable, Daggerfall, Final Fantasy).  This may never happen.  Its hard to be the great hero of the world when there are hundreds of great heroes who look like you, dress like you, have the same skills as you and are doing the same quests as you; all at the same time as you.

"No, they can't come in.  The Emberflame guild is killing me at 1:00, the Nerasia guild is killing me at 2:00 and I still haven't had lunch yet.  I have no time for PUGs today.  They will have to make an appointment." - Onyxia

 Best - Horizons:  This was easily the friendliest, co-operative and outgoing community I have ever seen in an MMO.  Its a shame that game was plagued with so many problems.

Worst-Guild Wars:  Arrogance, selfishness and vindictiveness abound.  Its not often I see a community completely facemelt a profanity filter.  Player attitudes have improved somewhat in recent years (but that means little since you can only go up from rock bottom).

Age =/ maturity

I can tell you that one of the most respected lead administrators of wikipedia.org was 14 at the time he received his position.  This was, of course, downplayed to avoid just this sort of reaction.

If the OP feels that this individual has abused his powers, I would suggest he make his case.  I would hazard a guess that every moderator on every board has abused his powers in one form or another, either of their own volition or under orders.  Age would have nothing to do with that.

In my experience, however, the abuse of power generally amounts to a moderator not letting someone indulge in their god given right to talk crap.  That too, is not age related, just maturity related.

Perhaps the reason so many companyies are going fantasy is that none of them have got it right yet.   Usually we have to put up with the company's Vision (tm by Sony) of what they think fantasy is.  I find it interesting that so many single player fantasy games "get it right" (by that I mean come closer to the average persons concept of fantasy) then most Fantasy MMOs.  I think the reason for that goes to the core of the Fantasy concept.   Fantasy and Heroism have always been inexorably linked.  Pick up any Fantasy novel (the true roots of Fantasy and not DnD) and you will be reading about a person (or group of people) striving against great odds.  In the end, sacrifices are made and the good guys win the day after acts of tremendous heroism.  The real question is, can this core concept of fantasy be translated into an MMO?  How easy is it to be heroic in a world populated exclusively by Heros?  Is there anything Heroic about slaying a great wyrm at the end of a long quest, knowing that the same wyrm will just respawn 3 hours later?  When you take the heroism out of fantasy  you are left with a bunch of pointy eared humanoids weilding pointy objects killing successively higher level orcs all day.

Personally, I think they should start doing non-fantasy mmo's more often.   In most cases, as long as people have phase cannons, light sabres, BFGs, etc., they are happy.  (Provided, of couse, the game is done well and you don't change all the rules mid-stream).  I have given up on any true rendition of Fantasy in an MMO.  I think it only fair that others get a chance to see their genre come to life.  Perhaps developers will be more successful.

I have to admit this was a great disappointment to me.  I had subscribed to The Chronicle and looked forward to their publishing.

After almost two years of delays, they finally announce to the community that this title would be shelved indefinately.  I hope they manage to publish, but they should probably change the name.  There is alot of dissatisfaction surrounding their title.

In their defence, after they made this announcement, they offered refunds to whomever desired them.  I received mine so I assume others received theirs.

This kind of nonsense hurts the whole game community.  I can tell you that I will not be pre-ordering any other games any time soon.