Well, Bioware have said that it should be playable with a 56k modem, but if you couldn't play BG II online you may have a problem. I don't have a cable modem either, so here's hoping...
The way that the vault will prevent people from doing that is that when you bring a character back to the vault from a game, it will pass them through a number of filters. If they have gained more XP points/magic/whatever than it would expect given their level and the amount of time away from the vault, you will be given the option to sacrifice some of your XP/equipment/whatever to remain a vault character, or choose not to and lose vault status.
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