I just found a cool game that has everything in it I liked from the old games I played and more things I had never thought. Especially the single player mode. Its a new game , not commercially popular, but has many features far surpassing it's giant Sony /Blizzard and other competitors. I found this browsing through a mmorpg site that listed several games. After being frustrated from some really bad games I demoed, I came across this one and was very very suprised.
Minions of Mirth
*has online (play one character with others)and single player mode (single player mode you play a group of characters on your own server)
*has great armor and loot even at lower levels
*when you complete some quests it opens monsters you can play as a character in the monster realm
*single player mode you can set up all 6 characters to cast spells and fight simultaneous just by hitting the number keys
*while graphically you only see one character (which you pick of the 6), you have all the other 5 characters there really fighting and casting spells.
*has a good side , evil side, and monster side each side you can have up to 24 characters per side (most games have like

and in single player mode, you can select which characters are in the party, and even switch out in game by going to the inn, without logging out.
*has permanent stat raising potions that drop from any monsters killed, also has a skill point system that raises each level, that lets you buy advanced skills, and even some scrolls drop from monsters killed that if you read gives you some skill points (called scrolls of learning).
*allows multiclassing up to 3 classes, by buying into a class. So lets say your a warrior and for 30 gold you can also learn thief. You then get another experience bar with a slider, and you can set how much experience goes into each class. You can have 3 classes per character.
*I havent tried the crafting system yet, but it also has one.
*quest info isnt as easy to find as other game, but it has a ingame encyclopedia showing all class skills, spells, quests, monster info in the game (other games you have to go to other sites and print it out).
*You can play the good side, all but 2 races free (3players in party max in free version single player mode), but paying the ubgrade fee you get all the good and in addition a evil side with just as many races.
*There is NO monthly playing fee.
If you like to solo play, this is the best game I have ever played (the single player mode).
Try the free version out (has windows and Mac versions)
Ken/Kendra