"HERE THE DEFAULT TEXTURE WILL BE LOADED FROM THE MESH.. & AUTOMATICLY APPLIED."

Lot of engines already do this !

Afetr that to apply normal maps, specular map, the best like some pro engines do , would be a model viever where it will be slots
for disffuse, normal,specular maps,
if you choose no normal map, nay normal map will be applied to your model !
and the shader will not use normal map code !

In fact the more important will be the tools !
i daubt 3D artists will like to code for each character the textures,shaders
to apply by code

TV3D engine that is lot used with .net, as a very simple syntax as the one you
say !

In fact the perfect thing that 3D artists are seeking for is :
complete advanced tools : creating terrain and multitexturing from scratch
(no heightmap import and no coding needed !)
same thing for characters :
management of animations (names,lenght), shaders,textures(diffuse,normal) ...
all by a specific panel : no coding
defining bones and orientation for object attaching by gizmos on a 3D window !

maya toolit

I think lot of programming lines is old past like Blitz3D !

nowadays, 3D engines must have all tools for 3D artists :
Far Cry, Crysis engines etc ...
You only have to script AI and game behaviour !
All the rest 3D assets,worlds etc ... is managed by panels to apply shaders,
panel for complete terrain editing etc ...

So if you choose Ogre3D , Irrlicht, they are already easy to use and have some wrappers, and TV3D is already a vry simple to use engine that do
all your are planning !

I think you should concentrate on something like Maya Toolkit instead,
complete 3D editors quality, complete editors and some advanced 3D features incorporation (soft shadows would be a checkbox on a panel
t osay if you want shadow on the character and you could enter a distance to say when it would appear) !

THIS IS WHAT 3D ARTISTS are seeking
no programming to do all simple 3D tasks !

Try Titan Quest editor
and you'll see another thing , lot of 3D artists would like ot see
in indie market
with no programming you have the tools to create amazing worlds(complete
editors,quest system etc ...)

Well ... enought said ... but think at it and perhaps
post a vote about complete advanced 3D editors against easy 3D programming language ??