Long reply, Possum!
I understand what you say about "shut-ins". A woman I work with has a son who never leaves home except to go to the doctor. When he was young (teen), he and another guy found some discarded barrel of "something" (chemicals) in the woods and somehow, when they were messing around with it, the thing kind of exploded (or something). Anyway, what was inside got all over his face and really messed him up badly. Lucky to live, he had something like 20 operations but was never "normal" again and doesn't go out at all. That was about 30 years ago. The online environment is almost a godsend to what would have been a horrible way to live had he lived in, say, the 50's.
So, though it's living some sort of fantasy life online in games, chat rooms, whatever... the web is a great outlet for people like that. And people who can't walk, etc.
So, yeah, I realize some people have LOTS more time than I do (smile) and their characters will be more developed than mine. But, I'm out to have fun and not be the "kick-***" of characters.
PvP is supposed to be, as I read it, consensual in LotRO, so it's not like, I suppose, I could croak by some major player kicking my ***.
I went ahead and joined hoping it's going to be among the best RP places to be. IF not, at least I won't be joining a game that's been in session for years--I'll be starting on an even keel, so to speak.
Thanks for you lengthy and informative response!