Everything you're saying crusader is a testament to the skills of the modding community and the unrivalled quality of the NWN engine and tools.
I said in a review (on my site) that NWN rates highly for the toolset on its own. It really is amazing how powerful it is, and how easy it is to start learning it.
This is the future of gaming i think, and the volume of interest is something other developers should be taking to heart. The first person shooters have their modded maps, but some mods are quite literally add-on games for games.
It's real value for money too.