You might try Wurm Online, and try to live in the wilderness as a hermit as a free player
You can play for free as long as you like, but your skills are limited and your abilities as well.
If you consider grinding to be difficult, and don't mind doing it, Wurm is the most insane skillgrind game ever designed. I believe the last character wipe was 5 years ago or so, and there are a grand total of two players who have ever maxxed any skills at all. One person maxxed digging, another has maxxed tracking.
If you want to do PVP, there is a PVP server, full loot, towns can be destroyed and homes looted, combat allows aimed shots. Expect to spend a lot of time grinding to make your own character a reasonable fighter, but characters can be bought and sold and the developer doesn't mind at all, so a passable fighter can be found for a few dozen euros if you look around.
I'm actually probably going to be headed back to Wurm in a few weeks myself, I typically play a few months on, then a few months off. I'm looking forward to seeing what the new skeletal animation avatars are going to be like when they are released.
Of all the MMO's I've ever played, the only one that was harder than Wurm was Entropia, and Entropia was only harder because the entire game was a gambling session rigged for you to slowly lose, rather than a work-for reward system.