Disco Elysium

Not scifi or fantasy, but have you heard of Pentiment? It's by Josh Sawyer, lead designer of New Vegas. You're an artist in 1518 Bavaria completing your masterpiece at a monastery, when someone gets killed and you must collect evidence. There's much more to it than that, of which I can't speak without giving anything away. However, I can tell you that the game has no combat, it's just exploration and dialogue. The whole game looks like an illuminated manuscript, and you walk around engaging in some of the most captivating conversations ever to be in a video game. The character creation is extremely unique; in the beginning, you pick where you spent your year abroad, what you do in your free time, what you got your Master's degree in, and what your favorite subject was at university. All of these determine your attitude on and knowledge of pretty much every subject in the game. It has one of the most unique speech check systems in any RPG, with entire conversations counting toward convincing someone, showing you what you said right and wrong at the very end. Masterpiece.

Planescape Torment, Disco Elysium.

As people already said, Disco Elysium for sure.

Baldur's Gate 3 on the lowest/story difficulty.

The old RPG Arcanum. Great steampunk fantasy setting and story. If you play a persuasive character you can avoid combat and skip entire dungeons. The game has some balance issues (magic tree is fine, but the tech tree is underpowered, and early combat encounters are horrible to dela with). Various fan patches and mods are available, including a balance mod, a bugfix patch, and an HD patch. Since it's an old game I recommend getting it from gog.com, since sometimes they fix up older games a bit to run properly on new systems.

Dragon Age, since you liked Mass Effect. Though, I personally found the combat more annoying in Dragon Age than Mass Effect. Mileage may vary.

The Outer Wilds (different game than Outer Worlds). It's a sort of an archeology/space adventure game. It's not strictly speaking an RPG, but if you want a story game it's top tier. Please do not look anything up about the game and go in as blind as possible, as the feeling of discovery and exploration are the main draw of the game and once you have something spoiled you can't un-know it. Also, I recommend getting the dlc immediately with the main game, as it's a huge expansion that fits into the main story perfectly and affects the ending of the main game.

You sound a lot like me, and probably get annoyed with a lot of grindy mechanics. Especially when you have limited time to play games.

Sea of Stars and Chained Echoes will really scratch that Chronotrigger itch.

Outer Wilds is also incredible (don't read spoilers, just go in blind). It's mini space exploration with cartoon-arcadey newtonian physics.

Sword & Sworcery is also great, and a good point-and-click adventure with an amazing soundtrack. I'd almost argue it's better on a tablet or largeish phone through. It's very touch input focused, which is OK with a mouse, but I think is better with a finger (as intended)

Others I enjoy :

• Kentucky Route Zero (point and click with a wild vibe)
• Firewatch (walking Sim with pretty low poly art)
• Dishonored 1 & 2 (gritty fps with stealth and magic)
• Inside (short puzzle platformer)
• Abzu (undersea exploration, relatively chill, but I never completed it)
• The Invincible (more recent than the rest, a very pretty walking sim in a retro-future sci-fi setting (Stanislaw Lem) that kept me pretty engrossed and occasionally worried)
• Horizon: Zero Dawn. (Absolutely adored this world and story. Story mode combat was good, but I just used cheats for a lot of the basic pickup/crafting stuff. Yes, I can take 30 minutes to run around and gather basic materials, but I don't have that kind of time irl.)

As has been mentioned already, Disco Elysium should be right up your alley. Not exactly Sci-Fi but has very interesting alternative reality world building and suits your wishes perfectly otherwise.

Don't be afraid to be wild and weird in dialogues and remember that failure is often just as good or better as success in this game (they pioneered a fail-forward type design). Basically, treat it like an interactive book and you won't be disappointed.

visual novels: Digimon survive, Danganronpa

Cloudpunk is nice, although it's more of a "walking simulator" than a fully-fledged RPG. It's a cyberpunk-ish indie game in which you're a delivery driver, although with a flying car and a sentient dog.

If you've not yet played through the Kiseki (The Legend of Heroes: Trails) series, I highly recommend them. They are very story heavy. You'd definitely want to begin with the Trails in the Sky series since every game in the series is connected (and if you want to get the whole picture and experience the greatest impact from the events that happen throughout the series).

Moonring has been really fun, and it's free! Not F2P, just free. The developer made it as a passion project, and it's easily worth $10, imo. Lots of reading.

It's akin to an old NES or early 90s PC game with the polish and applied game theory of modern times.

I've only played the first three you mentioned, but I would say they're all far from minimal focus on combat...

Void Terrarium is quite cute, I don't know how combat heavy it gets later in the game though.

Cyberpunk now that it's been updated. It has combat but is not combat focused. I'd drop it to easy and just play it for the story tbh.

Saible. I just recently played through it. No combat whatsoever. It's mostly about exploring the desert on your hover-bike. I've heard comparisons to Gension Impact, but I haven't played that one, so I can't say for sure.

Utawarerumono series. Visual novels with pretty straight forward srpg combat.