I can say that I played in a fantasy setting that used champions but the guy who did it wrote a program to go through the things. Its universalness means complication. Like he did spell casting by using the variable power pool rules with the limitation of having to use specific spells that can have verbal, somatic, or material requirements. One interesting effect is you could make the same spell without an obvious accessible focus and had rules for how much more limited it would be. You would just have less points to work with. I also wanted to mention that pathfinder/starfinder second editions are compatible with each other and very tight. might work and you could check everything out on archives of nethys.

i run a SWADE game, and the book indexes are great. Nothing online, but various VTT systems can be used as a database if you buy the content.

The SWADE rules are considerably simpler than D&D, and they have optional rules that you can mix-and-match to fit the mechanics better to your setting. For example, expanded fear and insanity rules for horror campaigns, or armor ranks for a sci-fi settings with mechs and spaceships, etc. It's especially fast in the combat department, I recently had a boss fight that lasted 2 rounds (took about 20 min IRL) because two players rolled well.

Cypher is great too, perhaps even better, but Cypher really requires an experienced GM. The rules are so general that you as the GM really need to decide for each roll what the modifiers should be, there's guidance but no specific systems for grappling, chases, overland travel, searching, nothing. So it can be really good and fluid and creative if you can pull it off as a GM (and the GM never rolls anything, giving you more time & energy to focus on your GM role), but an inexperienced GM will suffer.

Also consider games powered by the following system:

Ah I see you have it in the list, I'm referring to PbtA.

They are VERY rules-light, very roleplay-heavy, but fun. I've been a player in a *Monster of the Week" game for years, and it has been a blast.

So I've been transitioning to GURPS lately.

For smooth, simple gameplay you can run GURPS Lite. Or Ultra Lite, I don't think it's possible to get much simpler than Ultra Lite.

However, there is also a lot of content in the full system and supplements, so you can add the bits and pieces you like to the Lite framework. Want modifiers for targeting specific body areas? It's in there. Want penalties from bleeding out? It's in there. Want a robust magic system? There are several to choose from. Want to homebrew abilities, items, spells, pretty much anything, without breaking the game balance? All the tools are there.

Everything is customizable. It's designed for any setting. Sure, there are a lot of rules, but even the publishers are very insistent that they're all optional. It's basically an encyclopedia of mechanics you can use to add as much crunch as you want to your game of make believe, whatever that looks like.

I haven't tried a whole lot of the systems on your list but i HAVE tried Cypher System and it for sure ticks all of those boxes. Tons of character options, online character builder, but at its core a system that's meant to get out of your way.

Players roll to attack and defend (GM almost never rolls), using skills and assets to reduce the difficulty rather than adding modifiers to their roll.

Damage is standardized dependent on what grade of weapon you use, and if you roll a 17-20 you deal extra damage. This helps to speed things up because you always know how much damage you're dealing and you don't have to roll more dice.

Distance is broken up into near, far, and very far, so you're not as tied up in the minutiae of 5ft grids or hexes.

Magic is included in the core rules, and more from the genre guidebooks is included in the free CSRD.

(There are a few really well implemented online instances of the aforementioned Cypher System Reference Document, one of particular note is arranged and maintained by Old Gus: https://callmepartario.github.io/og-csrd/

homebrewing new monsters takes like a couple minutes

Players are rewarded xp for exploring and engaging with the world, as well as having story complications thrust upon them by the GM, and they can spend xp on either leveling up their character, affecting the world narratively, or to refuse the "GM Intrusion".

There's a large active enthusiastic and very friendly Discord community over at Cypher Unlimited. Both one shots and long campaigns work very nicely.

Online Cypher Tools include a character builder, creature index, and setting finder.

There's plenty of 3rd party content as well on Drivethrurpg.

I hope this helps and i hope you choose Cypher cause it's friggin cool!

I suggest simplicity https://www.swordfin.com/

Genesys is kinda good. My preferred generic system. Enough crunch and customization to give it meat while still flowing nicely. Only downside would be if you and your group needs physical dice as it uses proprietary ones.

Ironsworn (especially with Starforged) can almost be used as a setting generic system. Change up Oracles and Assets and you have a whole new setting.

You can also look at families of games, such as Crawford's X without Numbers. There you will get a system made for a setting but it still being oretty much the same system.