Online RPG

[Shadowrun]

The only online RPG I ever played for more than a couple hours was WoW. I eventually quit that not because I became an addict (played for ~1 month) or anything, but because it plainly sucked.

This is what I am looking for in an online rpg:

1. Player vs Player combat as well as Player vs Computer
I don’t care if the game is geared one way or the other so long as it has both.

2. Solo Content
More than WoW, i.e. I want to be able to go through most dungeons (not every dungone i.e. hard/elite whatever you want to call it) by myself. It should be hard.

3. Teaming Up
I want teaming up to matter, not just be a whimsical thing you have to do ala WoW in order to advance. I want it to matter when you team up, as in you really have to trust this person.

4. Have some sort of loss for death.
I want there to be a more severe loss of death than just some exp lost, or having to repair gear. It is not necessary to me that you have you entire gear looted but I would like to see a compromise in between.

5. Extras
As far as skills, class, characterization, size of community etc. I don’t really care as long as it passes my 4 tests.

Does anyone know of any online RPG that does this?

P.S. I am not saying the game should do this in order for everyone to buy it (WoW has +6 million). It is just something I would personally want to see.