Star Citizen

[Nerva]

If you are expecting overly arcade space shooter like Freelancer you've got the wrong game.
Combat speeds are comparable to Freelancer, however ships do have some actual inertia. Flight control needs some polishing (there are several idiotic limitations) as well as the user interface.
The no-pvp thing is legitimately bad, unfortunately. It was added after the carebearish types took hold and started whining all over the place.
No idea where you got the pay-to-win part from. There aren't any "golden" cash-only ships or equipment planned so far.

Playing it also warms up my room. Not good for summer.