Looking for a good online RPG game to spend some time on. Any recommendations? Looking for either something free for the computer, or something good for XBOXLive. Is there a good Phantasy Star game for XBOX360?

Past Games Played
Ragnarok Online - Good game, just didn't feel like paying for it.
Maplestory - Fun, but way too repetitive.
City of Heroes - Fun and very customizable, just got old after a while.
World of Warcraft - I never understood what the hype was.
Everquest - Just...bleh.
Guild Wars - Not bad, just never really got cranked up on it.

I like games that are customizable as far as characters and jobs/skills go, if that helps any. Let me know and thanks.