Depends on what you're looking for in an MMO these days. FFXIV has plenty of stuff to do at the solo or random groups/queue level but if you're looking into seeing all of the difficult fights and end game raiding that still requires dedicated static parties.
I roll FC-less at the moment and I've been able to get the current relic, top end tome gear, and casual crafting/gathering but there's no way I could touch Savage raids without trying to get in with good players.
edit: and then you get completely retarded dungeon ones like the one I just did, healer insisting on an awful ass strat and the other melee dps sits there staring at the boss.