Neverwinter Nights, as I understand, offers a lot of freedom in the online play versions, so it's definitely something to look into.

The standard storyline itself never interested me, as well as the failure to include some of the D&D supplements I wanted (i.e. Oriental Adventures and Psionics Handbook. I would have LOVED to have played as either a Psion or a Samurai, I'm sure you could justify having a Kara Tur character if you can already play as a Monk which is questionable enough as is).