I've played around with the demo of NWE and it seems very good. Most of my ideas were based off of MCCodes engine, but I think using NWE maybe be better and what could set me apart from the other games out there. I'm going to go ahead and save up for the engine.
I have a BUNCH of features, quests outline. A few that could benefit the engine could be an alignment system and housing. I would love for my game to have housing at each of the cities, each with different features and addons. As for the more, I'm selfishly keeping those to my game. My husband is a programmer and is charging me for his time, so I'm taking it up to learn myself. :) It's good motivation or me anyway!
For development, I'm going to be hosting it on my computer with XXAMP, I believe that's the name. But, I do have hosting, that may need to be upgraded when I finally launch the game.
Anyway, thanks for your response!