When you buy it, you get a registration for the official forum which is absolutely packed with stuff. Realm Crafter has a strong community behind it, it's reserved for customers is all.
So there's no need to have a Realm Crafter forum here, in fact doing so could be a real problem - as someone could join this forum, and use the RC section, and never actually buy RC (I mean they could get it by other means).
I bought it and plan to have the first team meeting this Sunday, so we'll be messing around with it then. From what I've seen so far, it's a lot more in-depth than I thought, you could really go to town on it with customizations. For instance it appears to be really easy to take a .X model and use it in RC, you just set the animation frame numbers for whatever actions the character has. So if you bought a character model or made one yourself, it should be straightforward to get that into RC. Along with CharacterFX which is free now, it seems that I'm already in good shape to make my own content.
I imagine there's lots of free stuff on the official forum, but I've yet to look into that too deeply, more in a mindset that I'm making everything myself. I will look around and see what people are giving away and what they are charging. The content that you download, well it's ok, there's certainly enough stuff to make a game, but everyone has that stuff, and the chances are you'll have a more distinct design idea than it will allow.
Frankly, a MMORPG project without a modeler is a worrying thought. Can't you team up with someone with modeling skills?
As for Vista64, I think so... RC is made with Blitzmax which is a multi-platform engine, so perhaps the engine has been fully tested already for Vista64, one way to be sure, and also get an idea for RC is to download a free client, there must be a few free MMORPG's written in RC, it would tell you everything you need to know.