The game is Wild Tangent's FATE. Here's a Steam link if interested: FATE
I'm having so much fun playing this!
I paid a pittance for it in 2005 and played it on XP. To have it install within 5 minutes on Win10 was amazing. Also, in-game saving takes 3 seconds. It's back to old gaming loves. Hooray!
I'm having real trouble completing Level 1's Beregor's Quest finding the stone bow. Nowhere to be found one floor down. Oh well. Also, the game being this old it's not easy finding help online, even on the Wild Tangent site. Text walkthroughs are a laugh because the writers were lazy and say (or shout as in this case) things like "RANDOM THINGS THAT I CAN'T REALLY CLASSIFY AND DON'T FEEL LIKE CLASSIFYING" and "APPENDICES (COMING SOON? PROBABLY NEVER... SORRY!)" . Well, thanks a lot, really helpful :D