OK, sounds like the consensus is that small private tabletop games are the best thing going.

Well, I do have that idea for a psychedelic-horror postfurry RPG kicking around, the one that tastes of Scanners, Altered States, The Prisoner, The Tomorrow People, Akira, Beyond The Black Rainbow, Upstream Color, and Plague Dogs.

But every time I've tried running one of these things with my own homebrew system—or none at all—it's gone up in flames. I need structure, somebody ELSE'S structure. Can anyone recommend a really good generic RPG system that might accommodate a weird, TF-heavy low-physical-combat game like this?

No "storygames," please. At least not the sort whose entire rule system is "write something on a card, take a white chip, and tell the group how it made you feel." O;p Like I said, I need STRUCTURE. :) In particular, I want something with really a really robust, flexible character creation system.

Something like GURPS, but that DOESN'T require an accounting degree. :) I keep hearing FATE is really good?