Kabuti, your right about morrowind, I thought it was a waste of money!!!!!!
As for the quests in Divine Devinity i've just done everything in the wrong order (although there isn't strictly a wrong order). For example I have still haven't been to the cursed abbey yet,or the theives guild. When I finially get to them these areas will probably be to easy for me at my level. However i have already gone under the sewers in the market area, killed the exicutioner(the hardest thing i've encountoured yet) and then found out I was in the prison, not the castle. So I went to the castle part and the room filled with money and gems is locked. I think this is because I haven't been set the task yet, which I gather is given to you by the theives guild. Do you need areas marked on your map by npc before you can go there?