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well I know some people that have been playing FFXI since beta.. thats like 7+ years.. and they still not done everything because SE still produce updates and new quests

and to your question FFXI for 360 can be played on Silver and so to does Phantasy Star Universe so I don't see why if XIV does appear why it should require gold to play

 

Dynamis time!

 

might wanna check this link:

 

http://kotaku.com/5277561/final-fantasy-xiv-360-version-still-a-distinct-possibility