When I saw this thread, I thought, "Oh, I should post to that thread about Twin Crowns..." then I started reading it and saw everyone hawking every setting regardless of the criteria you put forth and frankly it put me off. All the settings mentioned have some excellent points going for them, I'm not trying to insinuate they don't. Twin Crowns is different from strictly conventional settings(but what is a strictly conventional setting?), it is set further along the technology line than most (but certainly not all) fantasy settings. It is very Euro-centric in feel, which is deliberate. It deals with death, dying and resurrection in a unique fashion and makes great priovisions to have religion matter in the lives of everyone, not just clerics and paladins. The city setting that is out so far, Streets of Silver, is the largest and most detailed of the 'current' city settings (320 pages, very little white space). While there is more than enough in those two books to keep your group playing from 1st to 20th level, there is not a lot of other books or adventures in support of it just yet. While some are in the works, they are certainly by no means on the official production schedule yet. So the setting might not fit into the criteria you mentioned. On the other hand it does fit some of your criteria, it is a typical fantasy setting in that humans are the predominant race, The vast majority of the population are not adventurers, and think of most of the creatures in the monster manual as legends and myths, or at least as things that live 'somewhere else' (if they've even heard of them). There are european style nobility and powerful church figures, and guilds of merchants, craftsmen and artisans. All in all it has a 1500's feel to the place. So if this sounds like something that might interest you, look into it. Go to your FLGS take a look at the two books (if only buying one I would suggest Streets of Silver as it has adventures and hundreds of NPC's in it, which you indicated would be good), if you like what you see but have questions before you're ready to buy, ask me here or are on our own forums on mortality.net if you don'y like the answers or you prefer one of the other settings, well, it's your world, paint the sky. If you do like it, great, welcome to the family.