Don't worry too much about
4e and the d20 licence if you weren't planning to use them anyway. Nothing has changed in the
OGL.
The use you describe sounds fine.
As for closed content, campaign flavour is one thing, but for a commercial product, as opposed to a fan posting, I feel personally it's questionable to close or cripple game mechanics as OGC. Firstly, I don't see how it's in your interests - on the contrary, people reusing your work, if they follow the
OGL correctly, increase your exposure and reputation.
Secondly, it's hard to claim that rules you wrote for d20 Modern owe nothing at all to the
SRD and the designers who worked on it. Thirdly, the community contributes to your financial success and you should give something back for it.