You need to puchase the Retail Package (to get the Retail Key), and either have a credit card or a game time card, as a subscription (which can be canceled later) is required to register your Retail Key... (You don't need to download again, as the Retail Key will use the same Client software, with different account permissions with the server..)
Buying the game gets you 30 days of play time. Credit card will be billed the monthly rate after the first 30 days is over if you do not cancel by then.
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Thanks for the help.