You are trying to make things more complicated than they need to be. There is nothing confusing about how Turbine is going to classify an account. It's really simple.
Plays for free and has not paid Turbine any money. Think of this as an unlimited free trial account (instead of the 10-day trial).Premium Player:
Has paid Turbine money. Buying Turbine Points for the LOTRO store, being a former subscriber, purchased a retail box but never subscribed, etc. They have more than the basic free account.VIP:
Players who have an active subscription. Monthly, mulit-month, or lifetime. Includes accounts paid for with a GTC.These are described nicely in the F2P FAQ (see #9, 10 , and 11). I don't think it's confusing at all. What makes things confusing IMHO are people that don't want to read the available information and just start speculating on what's going to happen. Spreading misinformation as if it were gospel will make things confusing. The planned 3-tier account ranking is not confusing. Does not have to be made any more complex than that.