I like your thinking. But for real RPG fun, Icewind Dale II, one of the last great D&D based computer games. Neverwinter Nights was good, but solo adventures are never as fun as party adventures, not as much strategy in my opinion.
IWD 2? Really? That was the stinker of the Bioware Infinity engine games, if you ask me. The game suffered severely from budget deficit syndrome. Half the heavy armors in the game aren't even itemized so without some extreme metagaming know-how, it's very save-and-reload happy. Don't get me wrong: I love the game. I just think Baldur's Gate 2 eclipses it in a huge way.
I just started Planescape: Torment up again and I really do think it's the single greatest RPG ever made, flaws and all.
Okay, Baldur's Gate does win on many a level, but it had it's issues, such as not having personally customizable characters, which ID 2 had. I never noticed that about the armor, but honestly I never relied heavily on my armor too much, and the strategizing you can do made it so that it wasn't such a big issue. Also, you had to play the hard mode to get some of the better stuff, which likely included what you mentioned. I never played the advanced mode because, well, it required you make your characters a certain way with certain classes, and I wasn't crazy about that. But it's storyline was solid, the music was nice, the game didn't give you shitty rolls like crazy, original BG did that to me a lot, and it pissed me off. I also think they visuals could have been somewhat better, but they weren't bad considering how old the game was.
As for Planescape, I have wanted to play it but lack a computer capable of playing it(well, did lack a computer that could, the new one might be able to) but with playing WOW and real D&D games, I never have time to pick it up.