First person perspective, and quests, and puzzles, and parties, and an RPG, that's modern? Honestly, I'd have to recommend Dungeons and Dragons Online. It's an MMORPG, but I generally play it solo. I just enjoy running around doing random quests. Some of them are challenging, some of them are incredibly simple, and it's just good fun. On any spot where a puzzle is incredibly complex you can often chose to either attempt the puzzle or avoid it. Successfully solving the puzzles give more rewards, but the option and choice is nice.

The only downside is that it requires an internet connection. The base game is free to play, the expansions can be expensive but frequently go on sale. I picked up most of mine at 85% off. Alternatively there's a monthly membership fee that unlocks all of them at once, but the second you stop paying all of it gets locked up again. So in the long run you're better off paying for one-time purchases of the expansions.

DDO also gains bonus points from me for ease of keymapping. I injured my left hand really badly, and was able to successfully play with only slight troubles entirely right-handed.

Elminage Gothic is the spiritual successor to the Wizardry series.

I'm surprised somebody mentioned Elminage Gothic before I did.

Of note, the game has more common with early Wizardry (1-3 and 5) than it does with the later Wizardry games.

It's also worth noting that, while the game starts out rather easy, the difficulty increases as you progress eventually reaching the point where enemies can do a total of over 1,000 damage to a character in a single round with, I believe, a chance of beheading with each hit. Also, the enemy is so fast that the enemy usually acts before your fastest character.

On the other hand, I have noticed that every class seems to have a use, and some enemies seem to be designed to be killed with a certain class/setup.

Check out the Elminage Gothic subforum here, where me and another user have posted a lot of details on some of the game's mechanics.

Except they did, it's even marked as the solution to the question.

3 posts mentioning Elminage Gothic, including the one right above yours.

There's also Heroes of a Broken Land and The Fall of the Dungeon Guardians. The former isn't exactly modern, the latter is (allegedly) Grimrock-y. I've only played a demo of the former, so I can't really recommend either, but you might as well check them out.

It seems you misread my post. The third word is "somebody", not "nobody".

Of note, Dragonewts are actually very good in Elminage Gothic; their breath attack is far more useful than Dracon breath in Wizardry 6-8.

I guess I did misread it. >_<