My daughter just blows me away when I watch her play ToonTown. I'm the kind that has to be prepared. I plan what I'm going to do. As a consequence, my advancement is fairly slow.
My daughter is totally fearless in ToonTown. She readily jumps into groups fighting more powerful cogs. She's found all the Cog headquarters and regularly goes running around there. I don't even know how to get there - much less run around and go sightseeing. She's in a group of intrepid Toons fighting to reclaim buildings from the cogs all the time. I regularly see her in these battles, and then her picture in the lobby of the reclaimed building. She doesn't care if she's short on gags or low on health - she just goes for it. I guess it's that invincibility of youth. Whatever it is, she's a real joy to watch, and I get a kick out of listening to her muttering her plans to herself or call out (to the computer, not through chat) what she and the other Toons she's traveling with should do next.