I'm not going to get into whatever huge wall-of-text debate I see beginning to spawn here at the end, but once thing I'd mention is that Exhibit A is, in my opinion, very fun. I refer you to Another_Poet's game that he's running right now, based on where he works. Now, granted, there is some kind of zombie apocalypse or SOMETHING going on, but as I don't know what it is, I have no other information to give you on the matter :) The p[oint is that it's been, so far, an exceptionally fun campaign set in modern times with effectively no ruleset, certainly no leveling-up, and so on: just you, yourself, and your creativity against a zombie holocaust