Haven't played them long enough, but for what I know and read, FF XIV and Phantasy Star Online 2 are the only ones featuring a decent voice-over (as in you hear real words, not some meaningless gibberish or battle cries), albeit during cutscenes only.
Never played SWTOR and currently can't watch a video to get an idea, so I'm sorry if this isn't what you're looking for.
The catches? The former has a subscription fee, while the latter isn't available in US/EU, and I'm not sure if it put up an IP block in the meantime, not to mention last time I looked they were getting attacked heavily with multiple DDoS attempts.