For me its basically about 2 servers, and its pretty redundant. FV or TEST.
After I quit playing live, I messed around on TEST for a couple of years and honestly, its pretty great if you don't want bothered much. Its pretty empty, but the people that do play mostly box, a lot, and if you need a hand most people help. People will happily give you millions of plat without issues simply because there is no market there. Most things are test copied over including plat. You will be as rich as you need to be on that server.
Now if I remember right about test, you don't get ALL expansions, you get everything except the last "2" expansions, same as all access / gold. Someone that still plays on test can confirm, but I think you don't get the newest 2 for free.
FV is all about the economy and most everything being tradable. This is good and bad. Its good because you can just sell a krono, and basically buy almost anything you want. It's bad because most everything is overpriced. If you get a chance you can immediately see, even newbie gear / lowend defiant will cost thousands of plat. There are people out there that will just give it away to you though, and this is great for someone who is starting truey new to the server OR Everquest in general.
Im currently on FV, but only focusing on finalizing my box crew AAs. Only have a few days left to do that, so once the play time runs out, ill be more focused on obtaining better gear. My current crew is only 115 and will stay that way until the next expansion is available for purchase. But after this week, ill be doing a lot more missions and strategy based playing, but for now, i'm grinding, at least until next week, or my guys are all max AA.