I had a quick tinker with 3DGS MMO a while back and kept at it for a few months, never got very far.
I have jumped ship I am afraid:
http://www.garagegames.com/products/1together with
http://www.mydreamrpg.com/Has seen me in a few weeks get further forward than I would have ever got with 3DGS.
Nothing is perfect though! TGE and the MMOKIT give you a real push forward in MMO development but there are issues, it is software after all! But, the MMOKIT is in constant development, the feature list got me hooked! And they are a great set of people, ready to help and listen to ideas.
I suppose I am thinking to the future with my latest choice, TGE is getting a fair bit of development attention and looks (to my novice eye) to do the job - the MMOKIT will prove to be an invaluable resource, saving you hundreds of hours of code time - I see it as a starting point for me to hack and tweak to get it how I want it.
I suppose the overriding factor though was the cost. I paid $100 for TGE and $99 for MMOKIT. So, for $199 I get an MMO base that has SQL, zoneing capability and no connection limit. Basicaly to get this with 3DGS I would have needed to get Pro (which was my intention when I started with commercial), Pro costs $899 - a no brainer I am afraid.
I do not want to start yet another Torque vs. 3DGS thread, TGE tools are minimal (model editor, structure editor, etc.) so look carefully as you will need other tools which could cost money. Once you have your art assets though the world editor in TGE is great - was really looking forward to getting it in 3DGS but alas it is too late for me!
Just my humble opinion of someone who has tried multiplayer with 3DGS and failed.
AndyH