Things I never seem to see in any of these games

Most of these games aren’t usually centered on romance and are more about making your protag the hero (or villain in some cases), so overprotective love interests and really naive MCs probably aren’t going to be super popular with the target audience

Though if you haven’t already seen it, I think you might like The Wayhaven Chronicles. It’s pretty early in development so there’s no romance scenes just yet, and while I don’t know if any of the ROs will be overprotective, they are your MC’s bodyguards which I guess is kind of similar(?) and there will be the option to let your MC be rather clueless

Also as for #3, I think Sydney (who I LOVE) from So You’re Possessed seems to fit the bill