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Modern RPG settings with a ton of fluff?

Aldeon

First Post
Savage Worlds: Realms of Cthulhu is pretty fun, and it's in a fairly easy-to-learn system. Lots of horror and it's a modern setting.
 

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pneumatik

The 8th Evil Sage
Over the Edge

You should go buy Over the Edge by Johnathan Tweet right now. It's a 200 page book with maybe a dozen pages of rules and the rest is fluff. Heck, the rules are OGL'd up at Atlas Games: Charting New Realms of Imagination and are only about 26 pages (that's not counting the text of the license, etc.). There's some material that is explicitly horror-like, and most of the book would probably fit into a horror game.
 

steenan

Adventurer
There is also Unknown Armies, with very light and flexible rules and really interesting fluff (though it may be too strange and postmodern in style for some people).

That's also the only game I know that begins it's combat chapter with a list of methods one may use to avoid a fight and reasons for doing it.
 

I liked Dark•Matter a lot... until I read Delta Green. Then Dark•Matter seemed kinda hoaky in comparison.

However, Dresden Files the RPG sounds like it might be right up your alley. If you want fluff, in addition to the game books, you have what... 13 novels and counting to read too? And they're highly recommended (at least by me.)

If you want modern but not too modern and still definately fantasy, you could check out the Weird Adventures PDF. It's almost all fluff, and has a kind of 30s pulp adventure feel--Indiana Jones in a seocndary fantasy world, if you will. And by that, I mean much more explicitly than something like Eberron.

d20 Modern does have a fair amount of crunch--like any d20 game--but it's all pretty familiar crunch if you played any 3e era game, so you can skim over much of it without having to really delve into it. It doesn't come with a lot of fluff, necessarily, though--rather, it comes with a bunch of modular elements that aren't really full blown settings, but rather just the outline of settings. Only Urban Arcana and Dark•Matter got actual setting books, IIRC. I still like it because it's got stuff to build on, the rules are familiar and easy to use without having to spend a lot of time on them, and heck, they're compatible with D&D stuff if you need even more monsters, magic or whatever--just for the heck of it. In fact, I've taken to using d20 Modern plus d20 Past to represent my preferred feel for fantasy instead of D&D. Because its open content, there's also a fair bit of third party content for it, in the form of settings, adventures and more, which may be what you're looking for.

If you can find a somewhat streamlined version of the GURPS system, it's chock-full of setting books that are mostly fluff too, including many that are modern in feel. The latest version of GURPS Horror was even nominated for a bunch of ENnies, it looks like.
 

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