Well I think it is definitely worth the money. If you aren't sure if you will like it, consider the fact that the game is along the same lines as WoW except with a Star Wars theme. I do believe Wow is now free to play until level 20, so you could try it out if you aren't sure you'll like that kind of game play. Another free to play game that you could try out to test out to see if you'll like the world of MMORPGs is Perfect World International. It is totally free to play, you just have to pay for extra items if you want them.
The monthly fee just gives you access to play the game, and they charge you because the company needs to make money.