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1. You can move the camera freely or lock it behind you
2. Yes, both mouse buttons move your toon.
3. Yes you can jump and swim (swimming alot earns you skill in swimming that alows you to swim faster)
4. Offline message system? not sure what is meant by that There is a mail system if that is what you meant. =/ Auction house yes.
5. They do wear down when you die. you can usually die 10 times before your equipment is unusable. Yes it can be repaired.
6. House pets mostly. Unless your a a class that has pets. Yes you have to eat to regen health and drink to regen mana. (power) but can ignore it if you so choose.
7. NEED no. SHOULD yes.
8. yes player owned housing...it is instanced.
9. Yes there is a bank. and guild banks.