Is there a fantasy MMO out there with a costume creator - especially one that gives you broad option as to how your character dresses? I'm afraid that CoX's and CO's examples have spoiled me for the usual "fighters must wear armor; magic-users don't get armor" rigidity that everyone seems to have adopted from the D&D pencil-and-paper game. And all of the fantasy games that I've tried seem pretty much to skip the costume-selection part of the character creator completely, or just let you choose colors, at most.
(What I'd really like to do is to be able to dress an elementalist (fire, ice, lightning) magic-user in something resembling spandex, and so play a "superhero" in a fantasy setting, but I'm not holding my breath on THAT much costume freedom.)