One more suggestion for Warhammer FRP 2nd edition. Reasons are as follows:
1. Fantasy is the focus, though not 100% swords & sorcery - there's a bit of late middle ages-style guns and cannons mixed in, but so little that if you omitted it, it wouldn't make a whit of difference.
2. Magic ain't just non-peasant, it's outright dangerous if you rely on it in every combat. There's about a 1 in 10,000 chance that casting a simple light spell could have a wizard dragged off by a demon from Hell because he didn't do it quite right...
3. I can't think of an action that requires three die rolls to complete. There might be one, but not off the top of my head... It's a d10 only system.
4. It's a bit gritty, but you can get pretty heroic with it. Most of the time, your heroes are saving a person, or saving the village, or stopping some local catastrophe. The really tough stuff (giants, dragons) could easily get them killed.
5. fighting things like orcs and goblins can be dangerous, but PCs will usually triumph handily. There ARE NO MOOKS, however. One goblin per PC is challenging; two goblins per PC can end up in one or two dead PCs. There are fate points that can get prevent a character from dying, but rarely do characters get more than three to five in a whole campaign.
6. It's not 100% simulationist, but I'd argue any game that is is no fun to play more than once. It's gritty enough that it contains rules for poxes, diseases, and gilded noses, if that's your thing, but makes them simple enough to keep PCs playable.
7. I would think #7 would compete with #3, wouldn't it? In any event, it's an easy to learn system, but still detailed enough for PCs to be distinct.
8 & 9: No danger of EITHER one of those.
10: The stat blocks and combat system are simple enough to allow these.
11: Noooo problem.
12: while Monsters do use the same system, you can't play a monster - only a dwarf, elf, halfling, or human. It fails this test.
14: classless, though careers are like templates for advancement. you have to pick careers (and you change them over time) but it's not like a class or levelling - the template defines how far you can advance in a given related set of skills, 1 point or 5% at a time.