I just bought The Division and I have to say that I never saw a unique game with online option like this.
It fits all the requirements that I have asked for, you can compare it to borderlands but with more MMORPG elements.
There is a Zone with difficult NPCs and its also like PVP(when you start shooting at another player). In this Zone its possible to find unique armor/weapons, but getting your loot out of this zone is only possible in marked locations and when you get killed your loot that you found in this zone is at your corpse..
enough hype talk from me, if you're looking for a realistic shooter with rpg elements and pvp zones you have to buy The Division!!