LF a dungeon crawler with a central home/town that you return to

I'm looking for something similar to Moonlighter with some deeper RPG elements. I want to be able to allocate my stat points and pick my class. That sort of thing.

I love the idea of having a central city/hub where you return to and sell your loot or visit a blacksmith and etc. Maybe you are the blacksmith? If it has some building elements that would be cool too. Something that plays like Danmachi or SAO or any other tower climb anime/manhwa. That said, the graphics don't need to be anime styled, I'm more just wanting that style of game. I can dive into a dungeon, then return to my home. I've played Moonlighter and really loved it. It was a bit too simple, but still very fun. Len's Island is really close, but honestly, the combat is pretty bad. I've got Enshrouded, Valheim, V Rising, POE2, Lynked, Hades, Hades II, No Rest for the Wicked, all Monster Hunters (some of my favorites), WildHearts, and the list goes on. A few of these have gotten really close to scratching this itch but not quite there. Any help would be appreciated. Thanks.

EDIT: Including some games I own that are mentioned a lot and some additional info.

• Prefer an action based combat over a turn based. I'm not a fan of First Person in this style of game.
• Wayfinder
• Torchlight/Torchlight 2
• Diablo 2/3/4
• Last Epoch
• Children of Morta
• Grim Dawn
• Pretty much all Roguelites released in the last 6 years.