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First off, how hard is it to join up with other players to do stuff, like Exp up or go kill stuff for gear or whatever. Is it hard to make money in this game, and are they good ways to make money for new players? Also when you die I read somewhere that all you gears lose 10% duribility, can this be fixed or do you have to go and get new armor after a while?
It is easy to join up and tackle hard quests (noted as "Elite" in your quest log). For normal exping, it isn't common, but it can definitely happen. It is easy to make money if you scroll through the "Trade Skills..." forum here; there is a lot of advice there. For a new player, take up skinning and mining, that's usually the best advice. And maybe fishing. As for dying, yes, you lose 10% durability. At 0 durability, your item is "broken" and you get no stat bonuses from it. You can repair your armor with the "repair" command at any vendor who sells weapons or armor, be it cloth, swords, or plate.
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Also what Race/Class would be good for someone who likes to deal damage with melee and magic? What are raids and instances and can any be done at lower levels?
If you like to deal magic damage, a Gnome Warlock or Mage is great )though any race works, Gnimes have a 5% Intellect boost, which gives more mana and spell crit chance). If you like to deal melee damage, a rogue is the best at low levels, and a Hunter is a close second (although they are "ranged"). A Warrior is also good. If you want to do both, try a Shaman or a Druid.
As for instances, try Ragefire Chasm in Orgrimmar or the Wailing Caverns as Horde, or the Deadmines (aka Van Cleef) as Alliance. These can be done in your teens.
Now, the main question YOU need to answer: do you have enough time to play this game? It starts out easy, but once you start getting involved with guilds, can you set aside enough time to play? If you let it, WoW can easily control your social life. You'll find yourself doing less outside, thinking about the game a lot, and becoming a bit more distant from friends and family. If you have played any online games before (be it Everquest, FFXI, or even something smaller like Ogame) and know your own addiction limits, do NOT tempt fate and start this game. Stick to something that has a clear ending (console games) so that when its over, you can go out and restart real life... the ultimate "game".