| True20.
* Simple system; d20 preferred but I'm open to other systems? Check. This is multi-genre d20, simplified and streamlined a bit, and changed in a few other ways.
* It should allow for combat and adventuring, nothing "too" realistic? Sure.
* A nice magic/psychic power system? Definitely. It's an integral part of the core system, most accessible to the Adept role (as opposed to Warrior or Expert) but open to all.
* A nice bestiery of monsters like ghosts, vampires, and demonic forces? Yep. And there's the True20 Bestiary, if you really want to get hardcore about it.
But make sure you get the revised corebook, if you decide to check it out - the sections on Horror and Modern gaming would be pretty handy, I imagine. | 
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