Not exactly a CRPG, but you might want to check out Roll20. It allows playing pen and paper RPG's over the web. It has mapping tools, encounter creation, background music and tools for managing the games. It won't provide realtime combat, 3D graphics experiences, but if you're after a computer assisted roleplaying experience it could a good choice.

I thought of mentioning that. It's not out yet, but should be out in 3 weeks and is meant for sharing stories with others.

Anyway, I think that Neverwinter Nights is still the best in this respect. Tons of campaigns created for it.