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Buy a month of sub to see what you enjoy,then buy those packs when your month is up.
A few at a time when points go on sale...or you bank enough...and you will unlock what matters to you.
^^ This.
There are various subscription options (Monthly, Quarterly and Annual, for certain). Any subscription comes with 500TP (Turbine Points, the 'store' currency) per month to buy anything that isn't included with subscription (nothing earth-shatteringly necessary).
Each of the listed expansions ('Menace of the Underdark' and 'Shadowfell Conspiracy' comes in 2 or 3 levels with increasing perks. The highest level of each (Collector's Edition, iirc) provides permanent perks on every toon you create on any server forever. Those are nice.
Generally, people recommend playing as a F2P until you get a toon around L10-12 and if you like the game, subscribe at that point.
I've done the math on this (albeit some time ago).. if you eventually were to buy everything a VIP subscription includes, this would take you 4-5 years. That's if you buy the Turbine Points only when there's a double or better bonus point sale and buy all the content when it is on sale at 20% off (the most common sale.. better sales have become rare in recent years). If you sub as a VIP, you get access to all this content immediately, if you buy it as you suggest, it would take the full 4-5 years to get access to all of it. You have to be pretty sure you intend to play long-term (and that the game will be around that long) for this to be a reasonable strategy. (Keep in mind, this is math to buy ALL of what VIP includes; if you want less, it will take you less time. This also doesn't take into account the TP you will earn in-game from playing, since that will depend a lot on your frequency of play and playstyle).
I really recommend VIP. If you want a 'safety net' (for in case you ARE still playing in 5+ years) simply bank all your TP so that at some point you could decide to cancel your subscription and buy the content with less additional investment.
In fact, VIP's included 500TP/mo. is 'worth' about $3.-$5. of the monthly subscription cost (value would depend on the size of the purchase you compared to and whether or not you considered double bonus point sales the 'norm'). Annual sub is $99. regularly and sometimes $79. for a monthly cost of $6.50 to ~$8.30 .. clearly half of your monthly sub is just buying the TP anyway.
Looked at this way, the advantage to going Premium and buying all the content isn't that great. Call it a 50% discount on the TP vs the VIP perks you can't buy at any price + the immediate access to everything.
http://ddowiki.com/page/DDO_Store
Adv Packs = 18,528
Shared Bank = 8,460
Plat Vault = 2,465
Bag Dep. = 1,590
Epic Destines = 995
Monster man. = 1,190
Classes not unlock thru game play = 3,785
monk, Half bloods bundle, and warforged
Total TP needed = 37000 no sale price
Shadowfell = 49.99 / With 2000 TP
Menace = 34.99 / With 1000 TP
TP = 199.99 = 23000 TP
TP = 99.99 = 11000 TP
Total = $384.96
$385 to unlocks everything in the game that can't be done through game play.
http://ddowiki.com/page/Turbine_Point
$384.96 - 84.98 (the two expax) -> $299.98 -> 30 months of VIP + 15,000 TP
Couple in:
1,250 TP questing (one life, run everything once on elite)
3,000 TP from the two ex-packs
Two-and-a-half years of VIP will give you the same result, with option to drop to premium with at least 18,000 TP to buy packs/races/whatever a la carte.
imo:
If you're absolutely sure of playing for a long duration, and informed on everything, premium.
If you're getting feet wet, or unsure about staying, VIP. Only after about three years, and only if no new content is added, does premium edge out VIP.
Caveats:
Content you know you will never want shortens the time frame where VIP is preferrable.
New content being added extends that time frame.
Willingness to grind TP with disposable characters on the servers renders money moot.
Taking long (month+) breaks in playing favours Premium
I'd peg $299.98 as 3 years of VIP at the usual $99./yr. I'm not sure which payment option works out to $10/month. Still .. 30-36 months is the range.
To make a fair comparison, you'd either have to compare the 3 annual $99. VIP subs vs that $300. or compare the TP at $15./mo. purchases rather than lump sum $200. + $100. purchases.
There's no $15. TP purchase on the DDO market page, only $19.99 (call it $20.) which buys 1550TP. That would be just under 24 $20. monthly TP purchases or $480. to buy everything if you bought it with a monthly investment similar to a monthly VIP sub. That $480. at $15./mo. would buy 32 months of VIP. Clearly lump-sum is the same advantage in either case: sub or TP purchase.
Apparently no matter how you look at it, based on these numbers buying everything VIP gets (that you can buy) runs the same as about 3 years worth of VIP subscription.
Aside from these, VIP gets a few little perks here and there. 500TP/month. 10%XP bonus. Elite quest opens on 1st and 2nd life. Full access to support. Longer AFK time before auto-logout. Extra shared bank bag slots (33). More tokens for the Eveningstar portion of the Risia Ice Festival. More tokens for the Festival of the Traveler. Stuff like that that's hard to put a value on.
I think the strongest point in here is the one about new content. They add new content annually to the tune of probably 500-2000 TP in value. VIP's will automatically get access. Premium have to shell out the additional. (This of course excludes Expansions that everyone has to buy).
There was a question? :)
We get caught up in the discussion and sometimes lose track of the OP.. once it's been some answered at least.