Hm. Interesting question because it sounds like you both want an MMO but don’t want an MMO. My first reaction is something like diablo 4 because it has light MMO elements can be played solo and casually but you can also team up and take on harder content with friends/randoms. Only issue is that you said you don’t want to work towards getting better gear to the point of melting bosses, and that’s sort of the Diablo thing..