EVE Online (You did ask for something difficult. :D).
The learning curve's bloody steep, yeah, but the game has tutorials now, and there's a lot of great folks in both the giantbombing channel and Kite Co that'll answer any questions you'll have.
The only real microtransaction is paying for Pilot Time EXtensions (PLEX) which you can buy for a bit more then a straight of subscription costs and sell on the market for people who don't want to pay for a subscription but have enough in-game money to buy them. Good if you want to make a lot of ISK without spending much time and/or effort doing it.
It's also more social then any other MMO I've played (Which is admittedly pretty few, but still.), teamwork and a community is really required to have a good time, even if you're off doing things on your own you want folks to ask for advice and joke around with.

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