addressing two replies in one;
I would like to, but it seems to be an almost impossible task. Writing all the dialogue, designing all the quests and NPCs.. just too much work for one person if you ask me
actually its really easy. you have an overall arching story. you plan a start game/mid game/end game.
tie in a few side quests, make sure knowledge is kinda area specific (ie: none of this go from one side of the map to get a clue. why would someone on the other side of the world know the gold key is hidden under the dog bowl!. and yo ustart small and go epic

). Plus every NPC doesnt need a 10 page monologue.
You cannot really play your own CRPG, because you know every inch of the world, what will happen if you do this or that.. totally kills the enjoyment for me.
uh, you have to do that for playtesting anyway. its kinda required.
1 - flat world, ie, the overlandmap etc contains the towns, rather than you walking onto 1 tile, which explodes into a town map?
I dont know why people love that so much, its really a pain in any RPG, having to check all those houses. Well, i guess it depends on your focus, maybe there is a game somewhere the whole point of which is going from one house to another, lol.
Buildings in town will be required, Ive no plan on adding 100 buildings to a town. A town will have only whats required, NPC's and pubs