DDO... you get loot for turning in your quests and with the chests you find each person gets their own rolls and loot. No need to "need or greed", so no worries about loot ninjas.
id go with ultima online. atleast there you can kill other players and steal all their gear its epic... the best of both worlds if you ask me awesome pvp and you no need to teabag... since you will be robbing em naked if you kill em while they go 0o0o0o0o00o0o to a healer
and its also one of the few games where you can actualy steal items from another player ... real hardcore old school pvp.
roll up a mage/tamer ... get a dragon tell him to stay and cast invisibility on him and go gray (criminal)
and just wait for some white knight to attack you and laugh all the way to the bank lol ... the best memories i have ever gotten from pvp in a mmorpg is from uo there are just to many ways to kill/steal and loot from another player that it never gets old even though the game is over 14 years old
I like games where monsters drop specific rare items so I can hunt for them..
I am waiting for lime oddyssey whenever that comes out lol.. I am sure that game will be perfect for me. I think they even have a card system like ragnarok that monsters drop but not 100% sure yet..
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