I guess end-game really is my only reservation about joining, but I'm becoming less and less concerned with it. I got the game the day it was released in the United States, and in all that time I only ever reached level 60. I had a nasty habit of starting over frequently, although I only played the level 60 character for about a year. Even still, that's a long time before I even need to begin to worry about end-game.

Beyond that, I'm relaxing on my other concerns. The only real obstacle should I choose to play might be convincing my parents. Am I able to use a debit card to play Final Fantasy XI? If so, I don't really have to worry much about them either as I won't need their credit card.