2 char in FFXIV will cost the same as other mmorpg as 15$/month and for Tera if I remember right is 16$. As the OP said, you only need 1 char in here with 2 retainer = 300 slots while other mmorpg you can have 100 slots max. So I conside FFXIV billing is cheap, as even when I pay for 1 more retainer, it still under 15$/month