You seem to genuinely want to get involved in big stompy robots and I have at least some sympathy with the points you're making. I'd suggest just giving MWO a shot for 2 months. It may not feel as bad as it first appears. Desipte the tough base level grind, PGI are good at doing sales, achievable challenges and generally giving away free stuff.
On the topic of the pay model (nominally F2P), it's actually very flexible and you can make of it what you want (within reason):
1. Free trial period - Pay nothing and play for as long as you want to try it out.
2. Free game - Genuine free to play, with a sadistic level of grind (not recommended, but possible)
3. Crappy iPhone games - For those that like to waste money without thinking, just buy what you want, when you want (also not recommended)
4. Subscription style, e.g. World of Warcraft - Pay your $10ish a month to buy premium time (Or $50/y if you make use of the right sales).
5. Collect as you go, e.g. Skylanders - Treat yourself to a (on sale) hero mech every once in a while. Immediately cuts the chassis grind by 1/3, plus gives you 30% cbills bonus to get the other 2.
6. Pay once, e.g Elite Dangerous - $80 for an IS mech pack of 4 chassis is not cheap, but it works as a 1 off purchase to a CW-able drop deck.
Personally, I use a mix of 4 & 5 for a (for me) affordable way of having fun. Exluding heroes or loyalty mechs, I have 40 that I either ground or won (should be 5 or 6 higher, but I sold them). This is despite being a casual player with big breaks of 3-6 months from the game. So at worst, it's been about 2 weeks per mech.
The issue is. you seem to have settled on needing a maxed out, Tier 1 comp, drop deck to have fun. And to get that with neither gold nor grind. I'd encourage you that that's not necessary to have fun. Loads of us are levelling sub par mechs, minus modules, all the time. There are also plenty of folk that have drifted up into Tier 1 that now want out as casual fun has been replaced by competitive stress.
My last tip is to play with friends in the group queue. Small groups of 4 or less have a huge tonnage advantage. It's much more fun that the grind just happens in the background without you noticing it.
Edited by 5LeafClover, 06 February 2016 - 05:44 AM.