I'll have to agree with bob (not going to quote, two posts are enough!); Turbine does free pretty well. LotRO is probably the best free-with-micros MMO I've played. The world is huge, especially if you can grab the expansions on sale, and the game really captures a lot of the lore very well.
As for DDO, if you're a fan of 3rd ed D&D you might enjoy it, but getting into it now may be rough, as everyone seems to want to just speed-run dungeons, complain about someone's 'concept' character not being completely min/maxed, and generally be as unfriendly as possible to newcomers with questions. I enjoyed it because I don't care about any of those things and had a group of dedicated groupmates, but YYMV.
As for Champions Online, I've got a lifetime, so I'm not sure how the free-to-play is, but as you yourself mentioned, costume creator is phenomenal and I still do events (<--badge whore), but it seems to be spinning its wheels lately.
As for DDO, if you're a fan of 3rd ed D&D you might enjoy it, but getting into it now may be rough, as everyone seems to want to just speed-run dungeons, complain about someone's 'concept' character not being completely min/maxed, and generally be as unfriendly as possible to newcomers with questions. I enjoyed it because I don't care about any of those things and had a group of dedicated groupmates, but YYMV.
As for Champions Online, I've got a lifetime, so I'm not sure how the free-to-play is, but as you yourself mentioned, costume creator is phenomenal and I still do events (<--badge whore), but it seems to be spinning its wheels lately.