There is only one, Xivio. It is free, no-download, and 3D.
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I have not found any. There are free adult games that you don't have to download but the free virtual worlds just aren't out there for adults yet witch is a real bummer cause we all know they have them for kids.
There is no world like Onverse. All virtual worlds out there are unique in their kind. About downloading, you shouldn't worry. Make sure the world you want to play is safe. Onverse.com is completely safe.
FREE REALMS ALL THE WAY. its actually really fun.
Runescape , AQ worlds , crossfire , warrock and if you have a high speed computer combat arms. All these games need internet.
there is bellasara.com,avirtualhorse.com and thats all i know of