Hey! I don't have much time so excuse my short reply.
For crafting, sometimes you have to sneak around mobs to get to the most abundant resources. Most resources do have unguarded versions placed in the world, but the best places are guarded by mobs. Ask around, you'll be sure to find people willing to tell you where guarded/unguarded fields are for resources you need. Making money by being a crafter's kind of hard, especially on Order, since people are more likely to just share things than buy them. You can try making tech'ed spells and whatnot and putting them on the Aughundell consigner.
You can get pets but I'm not entirely sure how you get some of them. I think you get some via loyalty tokens, which you get from buying a subscription, and others you may get from seasonal events. You can also get shoulder pets for loyalty tokens. Both do nothing combat-wise, but normal walking pets can work like extra inventories. There aren't any furniture decorations but you can get stuff to make tapestries or lair murals from questing, mostly in seasonal events though.
Can't think of any puzzle quests at the moment, sorry. I know NT has a person that gave riddles for a certain questline but I'm not sure if that questline's staying or not. (NTs getting an update)
RP is usually in New Trismus on Order, if there is any, or in the Role-Play channel (very very rarely, people like to be in person). When NT is updated (-cough-destroyed-cough-) I dont know if people stay there or will go elsewhere. I'll probably make a topic on that at some point in the order forum...
The Spread the Word program only works for Gifted subscriptions I think, meaning those already with a plot, unfortunately . Not sure if the devs are willing to change their stand on that though or not... but you can always upgrade your sub whenever you feel you want to get a plot in-game, if that's what you meant by 'extra $5/month until I could afford a plot".
Depends where the plot is on how much it costs. Those out in the middle of nowhere can range for a few hundred silver to a gold. Around resources is a gold or so, and in towns near portals can rocket up to 3 gold+. Also note that in this game, unlike a lot of games, 1 gold = 1000 silver, not 100. You may know this but it's worth mentioning! Money is pretty easy to come by though, at least at the highest levels, when you sell junk to Rhahool or Rhagool.
Hoard is a number that factors into a dragon's hoard and breath skill. You can get it by hoarding items that usually are shiny and whatnot, like coffers and staffs. Mobs like the Withered Aegis and Pygmies/Ogres like to drop it a lot. It also fuels a dragon's abilities that use it, like Ravage, Silver Strike, and Gold Rage.
There aren't any mounts (engine doesn't support it) but there are pets like I mentioned earlier.
Hope this helps!
I'm also on Order (the RP server) if you have any questions, all my characters are in my signature.