At this rate it will take around 10 years to get the knowledge necessary to even contribute to a large scale project.
Don't go anywhere near RPG...
Large scale RPG, yes -- stay the heck away from those your first couple years at least.
On the other hand, a very small-scale single-player RPG can be a ton of fun to work on. I started on an RPG within a couple months of learning a bit of Visual Basic, and although it was in pieces (one program was the battle system, one was the world map, etc. -- all standalone), it was a lot of fun. One could very well build a complete (but again, very small-scale) RPG within a couple years of starting programming. This is assuming you're willing to put a lot of time and effort into learning the basics.
If you're seriously looking into MMORPG development you should get into the industry by applying at some studios.
... AFTER some experience. Most game development houses won't consider hiring you without at least two years of prior work experience with coding (and usually in C++, at least for the bigger, commercial outfits). There are exceptions to the rule, but those can be difficult to find.
But yeah, it requires many, many, many man-hours of work to create a decent MMORPG. You can do it -- but it will be several years down the road, and it will most likely be FAR less polished than the likes of World of Warcraft (which I don't believe a single person could replicate given a lifetime).
When it comes to game development as an independent, the higher you aim, the farther you fall. Get some bruises on your butt before you go shooting for the moon.