In short, premium allows you to skill over 20 (max is 100).
There are some events where you will also get a gift or can win a price, like christmas gift for example.
I think that since we the forum readers, that often are the active chatty and/or helpful players, now become aware of you, you might find a nice group to join while you go thru the steps of the tutorial.
Welcome, hope you gonna like it here.
I know a few vets myself actually so you would not be the only one.
PVP seems to have died off compleatly, people have various thoughts about why, but there has been promised updates to pvp aspects of the game during this year, so hopefully more people will pvp again.
In Wurm there is something for everyone, just remember to never compare your skills to the old players but only to where you were a week ago!
Welcome to Wurm!