You can’t change where or how you’re born, but you can change what instance you’re on with almost no impact to yourself. Maybe spend ten, fifteen minutes on copying your subscriptions over manually. It’s like changing out of a T-shirt with really unfortunate text you couldn’t read before putting it on, one of the greatest benefits of federation.
CRPG doesn’t usually refer to MMOs or action rpgs. They’re referring to games that emulate a tabletop RPG but on a computer, which is where the C comes in. Generally they’re modeled after Dungeons and Dragons or similar systems, like Pathfinder.