So.. I finally tried Icewind Dale 2 (and it actually works - relatively well. Just some interesting graphical artifacts).
Not very far but I wanted to take a moment to thank the developers for doing something remarkable. You arrive in a town under attack.. and when you go to speak to people.. they tell you to go ahead and take any weapons you can find, including breaking open stock and inventory. You mean... in a moment of dire panic, people might actually give their potential saviors aid and not charge them full market price? Gasp. Double gasp.