Levels, Monsters, and how they individually affect a campaign setting

[Morty]

Would I play with this setting?: Ah.......well, this is technically just fodder for the "There's too much fighting/you're all munchkins, I need a game with more role playing" crowd. Only you know, taken to the extreme. You can have a game, but you better make an interesting character to play, cause you sure as heck don't have interesting powers or supernatural foes to look forward too.

And what, exactly, prevents mundane characters from participating in fights or action scenes? Do you really need your character to be either magic-user or kick-ass warrior to have fun in action and combat?
Also, I think you're forgetting the variant where there are powerful monsters and PCs aren't the only ones to level up.