Lost Saga in an online fighting game based on temporary heroes and equipment. Your hero determines which weapon you use, but any hero can use any armor, headgear, or trinket. Your gear determines your skills. You can use money to buy permanent gear or heroes, heroes above your rank, special items, and style items above your rank. You can also buy an item that allows you to customize the textures of a selected piece of permanent gear (last time I checked), so you can have fun with customized gear! You could even have it so that, if we make SouthernCross a guild in Lost Saga, all members must wear the logo on one of their pieces of gear.
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And don't worry. The game is free, and I just want you to try it.