Yes, exactly. It will be included for free just like A Realm Reborn and Heavensward. One thing to keep in mind about the free trial, though -- if you ever actually buy the game and subscribe, your account is no longer a "free trial" account and you can no longer play for free ever again. Well, unless you register a different e-mail and make a whole new account from scratch, that is. But then you really are starting over from square one. From the sound of it though, I assume your account is a paid account and your girlfriend is playing the free version?
Nope, you don't lose anything. It basically just puts the rest of your quests on "pause" and allows you to follow the MSQ as if you're doing it fresh. It's even divided into "chapters" so you can choose where to jump in. You can't do any other quests while using New Game Plus, but that's just a simple matter of putting New Game Plus mode on "pause" and going back to your normal progress point. But it will remember where you were in the "New Game" MSQ and you can return to it when you like.
As far as your level goes, when you are in the open world you are always at your normal level. It only syncs you down when you enter instanced content, like how dungeons do. So, if you're playing alongside your girlfriend in the open world and she has to fight something in the open world, you're still probably going to kill it super fast if you participate. I have a couple friends who are going through ARR now, and I play New Game Plus when they are online, but in the open world sometimes I just stand back and don't damage any enemies.
One thing to be aware of though, is you only get one "save slot" for New Game Plus mode. So, if you wanted to hop over to the Crystal Tower quests, or the Hildibrand quests, you would have to dump your progress in the "New Game" MSQ progression. Again, it's not a total reset because there is a "Chapter" system that lets you continue from various story checkpoints, but they are few and far between. You can't just jump back in at precisely the point you left off, so it could be a hassle to catch up depending on where in the story it is. Edit: Actually, I don't know for an absolute fact that you lost your progress if you hop back and forth between MSQ and side quests, maybe the game remembers them separately. I've just never tried it so be careful.
When my friends first started playing, I actually made a whole new character because I forgot New Game Plus existed. But, have you considered making a new character anyway? That way you really get the "new player" vibe again and you'll have an extra character to do "New Game" sidequests with your girlfriend if/when the time comes. I actually still use a secondary character for fun anyhow, and I wait to do holiday events on that one when my friends can join. If your account doesn't allow more than one character per server, you can make one on a different server and just visit your girlfriend's server any time.



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