I played Ragnarok a little, although it was a while ago...overall, it didn't really go down too well with me. I hate games that make you pay server fees...buying one in a shop is one thing (they tend to be made to a much higher degree of quality, and might actually be worth the server free), but cheap little downloadable clients?
Which is why I kicked Ragnarok in the head, and went out and bought Neverwinter Nights

Better graphics, better character customisation, better gameplay and no server fees