People who've seen my posts before are probably sick of me mentioning this, but one game that should be on that list is Citadel Of Sorcery: http://www.citadelofsorcery.com/
This game has a quest system where characters have their own unique storyl…
I agree with what you're saying 100%. Here's a game coming out at some point which hopes to address this: http://www.citadelofsorcery.com/index.php.
I hope it accomplishes what they claim. I'm axious to find out.