I think this works best the way it's done in WoW, maybe done the same way in other MMO's too(i dunno). As mentioned above, pay for extra services, Name change, Race&Gender change and server change should all be done through small payments. I really hope developers allready has plans for this because there have been many times i've regretted my last name(it's stupid and heavy and i came up with it while i was in a real rush to start playing and just hurried away, ofc. i dont wanna start over now!) and im still unsure about my race(beeing a male highlander), playing PGL as main im afraid that i will not look as cool as other races/genders in the game with PGL gear. Because so much PGL gear look too feminine IMO!

I've also read about the new race-gender combinations planned for PS3 release and i feel that all who are paying subscriptions by then should get one free opportunity to change the race/gender/name(per character that is currently beeing paid for) after this.

And with whatever other large changes also coming up, like the new job system and combat system (i for one created a female hume to play THM, but i thought the combat system didnt work with casters so i rerolled to a male melee focused character, and if they change alot to how caster battling feels i'd might like to try it out, but then i've gotta start over(A male highlander is not suited to be a THM IMO!).) we might see that we in general wanna play something else and our name/race/gender doesent seem to fit your new plans but you dont wanna loose it all by making a new char.

PS.
Im sorry for rambling this much!