Are there any MMO's worth the time?

I've played several MMO's in the past including: Runescape, Final Fantasy XI, Star Wars Galaxies, Everquest II, City of Heroes/Villains, World of Warcraft, and Eve Online. I'm looking for a good MMO that isn't elves and fairies, requiring more than sequenced on mashing. I would prefer a game with a more adult community, involving some intellect and immersive gameplay. I would hope questing is more than just "Collect 5" of a certain item that drops once per 50 kills, even if that item is an ear or drop of blood that you should receive from any kill. I also wish to have at least decent 3D graphics (doesn't have to be exceptional) and at least moderate stability. Is there such a game?