MMORPG...well they're very difficult to program and take a long time to do and a lot of effort - you're probably not going to find a good MMORPG engine out of the box, or at least nobody would be willing to give you a good one cheaply. Realm Crafter is the obvious one to mention, but I hear it isn't very flexible. For the Torque Game Engine, networking is brilliant in that - quite difficult to understand and use (the scripting language is confusing) but it has been converted to an MMORPG engine and you can buy that as a Starter Pack.
RPGs, well there are plenty of 2D ones out there, the obvious one being RPGMaker, of course The Games Factory 2 and Multimedia Fusion 2 are also brilliant for that. But 3D you won't find many ones specific for RPGs, Torque Game Engine again, but unless you have good C++ or advanced scripting knowledge, then you'd be better off programming your own in DBP attaching the LUA scripting language to it (via the Unity plugin). But hark, there is the NeoAxis engine - I like it, it shows promise and once you've learned it (there's a free non-commercial version) it might prove useful in producing an RPG. There are plenty of other game engines out there that can do the job (DX Studio, Visual3D, A6 Game Studio...)
Or you have that Odyssey creator's program, XQuad which is sold on the TGC website, which was programmed by our very own forumite, Freddix in DBP - I've not tried it though, it has a demo, that might be worth looking at.
"Experience never provides its judgments with true or strict universality; but only (through induction) with assumed and comparative universality." - Immanuel Kant
