Za'dok Khoal
Scribe
For me, it is setting. When I think fantasy, I don't think magic and dragons. I think medieval, dark ages, or anything prior to what would be considered "modern". Then from the time of muskets and the like generally I thought it was coined "flintlock fantasy" and so on. Although I think people over complicate things, generally "fiction" is still just fiction, and we catagorize it from there. From what you've said, I would take it as just fiction. And if you "need" further sub catagories I would say fantasy.