Daggerfall. Sure, it's buggier than New Vegas and uses a disgusting 2d-sprites-in-3d-world format, and is way too massive for its own goo, but it's FREE, and the customization is INSANELY AWESOME. Seriously, I have an agile escape artist who specializes in hand to hand, is incapable of wearing steel armor, is immune to electricity and BURNS IN THE SUN. How is that not impossibly awesome?!