Look at a game like call of duty, all of them use private or sergeant or something along those lines.

For what it's worth, it's almost always better to have the customizability, etc…

On the other hand, if you're too lazy for that – it looks like you're weighing your decision heavily on WoW-based features for your website (bank, etc…). Keep in mind these are PHP scripts that you can put on *any* webserver, and don't "come with" any particular server – the guilds you see with those downloaded the script (Duckybank or whatnot) and installed it manually into whatever page they wanted it to be displayed on.

Out of curiosity, do you know even basic HTML? If not, ask around in your guild – chances are *someone* will (it's actually fairly common) – if so, get them to help you code the thing.