I have been very impressed by DDO and the DDO Shop "it's here if you want, but you're not forced." set up. So much so that I think it is safe to say that I will be playing regularly.
The biggest problem I had was paying multiple monthly subscriptions. My first child is due in the spring and so I was faced with giving up playing MMO's or playing ones that I wasn't enjoying (Guild Wars for example.) When I found out about DDO being free to play, and then found that actually, it's really good - woo! I'm not sure who was happier - me as I get to play a good MMO without the bonds of a monthly subscription, or my wife and baby-to-be.
So I'm putting this "out there." Are there any other parents or parents-to-be that play DDO? Any advice for a first timer?