I feel like all those characters are overcompensating if they need a cloak to be cool.
But yea... cloaks are cool, can't deny it. Geralt (witcher) is pretty cool even without a cloak, so it can be done!
There are plenty of popular non-commercial projects which sounds like a good start to me, like someone mentioned here "MUD's"... but people run 'homemade' fantasy servers all the time (minecraft, NWN).. thing is, unless you run your own server, which is not impossible for a single person to do...