ratchet you made many valid points ,i agree on most of them when i
try to understand what you are looking for ,the way i see
it you looking for something(or found it) that gives you the tools
and workflow you want (so you dont need to wait or spend time on creating them)
but instead lay down your concepts knowing you have the toolset to do so ,
and lets be realistic here ,you do not need to be a programmer at all ,i guess
it escapes our thoughts that game developement is not purely just for artists
and developers and sound engineers etc but also game designers and people having
game ideas ,those people could start / join a team if the coding needs to be done when the actual concept is thought to be good enough..

best of luck