Well runescape is one of the most popular MMORPG's on the web and is free to use no download unless you dont wanna use java which there is a downloadable desktop client which wont need any form of java. there is chat (no VC yet but it is coming soon hopefully) its based in fictional renaissance (eg dragons, demon, ...) there is a members feature that cost a minimal amount of 7 dollars i think and thats for 1 month of membership which will unlock tons of members only content which if you get into the game is completely worth it i will add some screen shots soon.