Thank you everyone for the input!
Heck, I think just getting a lot of supportive replies - rather than "catch up/play more" posts - really helps out. Being my first MMO, and knowing how serious people get about them, I kept feeling like I was falling behind. But I suppose you all are correct; I should just play at my own pace like I would with any other game.
And I have been saving money; I've skipped quite a few releases already, and will be in the foreseeable future. But, lol, I just can't say no to a new Mass Effect or a new Metal Gear ;p
Anyhoo, I think I'll log back on tonight for a couple hours, and just try to put in 5 or 6 hours a week, which means I should hopefully hit 50 by sometime in March. That's not awful. And then instead of grinding end-game, I may just go back and enjoy the stories of another class.
Thank you, all!