middle earth

I'm having a hell of a time deciding on whether or not I should choose the $9.99/month option for the Lord of the Rings Online MMORPG, or the "lifetime" offer, which is a one-time fee of $199, and allows you to play as long as the game is going on! I love the idea of being able to come back in 15 years and play, haha, but I can't really afford the two hundred dollars at the moment. AND, I have to decide by tomorrow! As in, May 24. Bah!