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I have a handful of plot ideas for both campaigns. My first one is a post-modern, apocalyptic bent on character development through balancing moral dilemmas and self-preservation.
It would use the d20 system and people would start at level one with resources limited to a little less than a weapon, some food and a choice of medical supplies, extra ammo or special equipment i.e.; Geiger counter, functional laptop or radio.
Set in Chicago after covert warfare, economic collapse and disease/famine has shattered society. Light on the mutants, mostly dealing with various environmental hazards combined with hostile humans.

Second, the D&D campaign would consist of orcish bandits, dead royalty and menacing fey, while ultimately leading to a would-be-demon-lich attempting to subvert the world and become a god. Simpler motivations, but richer setting and world.
D&D 3.5 at first level with standard character creation with an extra magical item of up to 1000 gp value.
Mostly dungeon crawling with a smattering of investigation/espionage and political intrigue.