McDon: Do you know if buying retail will lessen TOR or DDO much? Especially DDO as, unlike LOTRO, they haven't released a physical edition after it went f2p.
I'm not sure. I think the retail edition comes with 1 month of sub, then the game should treat you as VIP for that month, which is subscriber status with full access to everything in the game, and a few other advantages.
After that, you'll probably become premium, which is a status you get after buying any amount of Turbine Points once with more functionalities than pure f2p, but you still need to buy adventure packs.
That's not as big a deal as you might think, because you don't need that many packs to cap a new character, and you'll earn quite a few TP just playing the game. IIRC, I managed to buy 2 adventure packs before becoming premium just with the TP I got for free.
Basically, you earn TP by earning favor, which you get the first time you do any quest on a given difficulty level (there are 3 levels for most quest, normal, hard and elite). So if you start as a VIP, and you do every quest you can once on as high a difficulty level as you can manage, you should have enough TP to buy the best adventure packs when you become premium.