I'd lose my temper if I tried to write 1) a long post, 2) a post that has opinions of UO and WoW at the same time (mainly UO+OSI opinions..)
Anyway, I only started with a 56k modem, never had 33.6k
I can remember the very first things me and my m8 experienced in UO (pre-t2a), such as:
* Our first magical item, which we thought was of great value (it was magical!) [Durable hatchet]
* Us looting a blue corpse at Vesper bank and learning the hard way what the command "guards" means
* Getting killed by a pk and placing a bounty of ~8k on their head, just to realise 10 seconds later that the sum was withdrawn from our bank
* Runnin between Vesper and Brit for the first month (and nearly always dying at the swamp that's in between them), lacking knowledge of world banks
* Hoping to sometime achieve the main goal for us (aside of being the best PvPers near Yew

): Having a large tower (we never cared about castles, they're ugly..) And when we did get the tower, AoS went live at the same time and we left the game :/
Our names were well known around Yew gate anyway

and our mage chars' guild was notorious: Only 5-6 members in it, and #1 in guild war list

(We had about 120 guilds in war with us, #2 only had like 100

)
Oh the days..

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UO Europa - kotivalo/Hemmo/cartoittaja/Avotuli/neekuriminer