Having issues here as well, despite 12k points in the benchmark...

My Specs:
i7 3370 @4ghz
gtx 760
8gig ram
game resolution: 1600*900 (window)

The fps is usually 60fps (frame limiter on), and dips 40fps in towns, which makes sense with lots of people. But also dips in dps randomly in seemingly empty landscapes and CAVES even!
Not even deterministic in the sense that I can pass through the same cave with 60fps and sometimes the same cave will render my fps down to 40-50fps.
The engine they seem to use, sounds like a chinese import. If this said engine renders so far ahead (the heck it does within a cave... or a house, which also stutters btw.), then implement an option that limits the visibilty range! Plenty of games, especially MMOs have a visibility range setting. Why doesn't FFXIV? If fps sucks so much in towns, why not implement an option where you can reduce the details of other characters? This would certainly help the dips in the towns and FATES.

So far, this is the least optimized and customizable engine that I have seen of late. And you had 3 years after the initial launch. I cannot seriously see myself subscribing to this game in such an unmaintained state.