Lazy procrastinating lurker here. Came across this streamable a few threads/days ago: https://streamable.com/n4bjx and noticed the FFXI (Final Fantasy XI) world. Finally google'd FFXI VR yesterday and came across a proper video showcasing it and immediately became pic related from nostalgia etc. I haven't cared enough to use VRC so far, though I have VR for a few years now, but looks like it finally got me. Might use it just to relax in these. So a few questions as I haven't used VRC before.

1) For those familiar with it; list of the names of FFXI worlds or the creators? Also any worlds with related avatars?
2) Any public avatar I can get right away that has some sort of flying and how to use it? I saw in a video one guy zooming around with a jet pack or something but this probably isn't a basic function of the game or is it? Just for viewing purposes. Also saw jumping. 
3) Rift or Steam ver? I'm using Rift but I remember sometime back (might be years now) something about there being a bug on the Rift ver specifically. So which of the two is less buggy/more stable to use right now?
4) Any settings/security stuff I should be aware of beforehand? Seen people mention some sort of hacking/dox stuff before through hacked clients. Should I create a throwaway account for this? Not sure if I'll stay using VRC but just in case.