WoW Questions

[Professor S]

This one is definitely on my Christmas list this year, along with a month or so of online charges. A few questions about the charges...

What are the monthly charges for WoW?
Does it come with 1 month free?
Can you use pre-paid cards instead of a credit card? (I don't put my card online anymore since getting companies to discontinue service and payments is difficult to the point of being near illegal)

I also have a question about individuality. My biggest fear is that there won't be enough options for the appearance of your charcter. Are there plenty of ways to differentiate yourself from others online, or do you end up looking exactly like a ton of other people online?

Thanks in advance.

EDIT: Once last question. Can you use a headset with the game and talk to friends while playing or is it strictly text based communication? Sorry if some of my questions are obvious, but I've never played an MMORPG before.