I can't believe I forgot about this game, one of the MOST AWESOME FREE-FORM RPGS you can find out there, and constantly modded and updated:
http://forums.taleworlds.com/index.php#c8 -the forum
Just 20$, and it's a medieval fantasy type game, with the player being thrown in the middle of the land of Calradia, a beggar on most starting settings, and you can make a name for yourself as a mercenary, trader, lord, and eventually become king. Check it out, I stopped playing it because I was not getting out of the house anymore, and that was pretty bad. I was still halfway through building my kingdom and had just managed to convince an old friend of mine from the kingdom of the nords to join my Kingdom, we were kickin'