Currently playing Windrose which is early access, ticks most of those boxes except for the alive world. There are communities you can go to for quests but most NPCs you can’t interact with.

It’s also a survival craft so you build your base.

It’s a fantasy pirate setting rather than old knights and wizards setting.

Character creation is somewhat limited but you can tailor it to be more ranged/agile or beefy/heavy hitter etc.

Still early access though so could be improved