I have crash_town, which is a jamjar set in a weird Western town. I wouldn't force humanization and right now there is no AC at all. It's a Yu-Gi-Oh! setting, but knowledge of the show wouldn't be necessary as it's panfandom. Downside is there's not much going on yet.

I'm trying out tamerunion, a Digimon panfandom that also checks your boxes. :)