Both. I love to set my own targets. They can be informed by larger in game targets on entirely seperate ('wouldn't it be cool if I did X' or 'I wonder if I can do Y') but I cannot play without a goal or target of somesort. Often I find something as trivial as a client side number going up is enough to keep me satisfied like a high score at an arcade but I'm not competitive with other people.

Meanwhile... me unashamedly promoting FFXIV to absolutely anyone or anything with a pulse and a computer.