You might try The Division. There should be a brief trial iirc. It does have loot, but you said you hate buying items too, so it seems like you just dislike gear in general. You aren't required to manage your gear or loot well to complete the game, you just want to pick up better gear as you level up. There is some skills/tech stuff in there that can take a bit to get used to.
You won't be OP. You'll be using cover to stay alive. Some enemies are bullet sponges.
If you've ever had to hit the streets somewhere immediately following a natural disaster, it might feel a little eerie or uncanny. At least, it did for me. The snow is beautiful.
That's on me for typing vnc when I meant rdp, but nevertheless it's true for both.