not sure i understood what you mean when saying "I don't mind paying for software, shareware is fine, but I don't like bills", but it may be a language problem of mine (I'm not English by native language). where you pay for a game, you get a bill, right?
If you want to focus on both simulation and MP, as you said, your options in this forum department are limited, I think. Steel Panthers is tactic/strategy, Steel Fury has no MP. You are left with TvT (which has issues due to having been released too early and is not supported since the developer went bancrupt, so I recommend to think twice about it), and SBP, which excels in MP.
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