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To answer questions 1 and 3:No, you don't have to pay monthly, just the standard price to buy the game, and no, it isn't like Runescape because it's not an MMO:It's a traditional Japanese RPG. XI is currently the only MMO in the series, though XIV will be similar.
To answer question 2:Yes, the FF series is very good, though based on your post, it's different from what you were expecting.