I tend to agree with you Psion but then you and I have similiar styles.
But for Kap here's what you do:
Take a map of the Realms:
eliminate the following core classes: paladin, ranger, cleric
No Pr-classes even. In fact no pr-classes PERIOD.
Magic is strickly limited, meaning no mage, sorcerer or bard can cast above a 4th level spell.
Each time they cast a spell, must expend XP. 1st level spells, 100 XP, 2nd 200, 3rd 500, 4th, 1,000 THAT ALL arcane spells.
Summon spells work but only summon Outsiders, not magical beasts.
Druid can cast any spells but healing. They also keep their healing/alchemy proficency.
There is no divine magics what so ever.
No monsters. In fact there's not even a rumor of one. Monsters are no more. Demons, Devils, Undead and Loths are the only monsters that exist if at all. Damage reduction doesn't need to apply SINCE they need a host/phyalcrphy to exist in this world. Thus possessions are common.
Magic weapons don't exist or else are on other planes of existance.
The Outer planes don't exist but the inner and transitive planes do exist.
Oh and the only other race beside human, Centaurs. And they are RARE.