Hi HB! Late to the party, but I have a book to suggest (though there are stakes at the beginning). I think it fits much of what you're looking for, though (maybe??).
I've become a big fan of Adrian Tchaikovsky;
loved his
Children of Time. I'm halfway through
Redemption's Blade, After the War Book 1, and I'm really enjoying it. It's an easy read, with likeable characters ... epic quest kind of thing, but tells the very interesting story (IMO) of what happens with the heroes and monsters after the great battle has been fought, and the Evil One defeated. I'm really digging this, and I pretty much stopped reading this type of book 20 years ago. It's not TLOTRs, but is a good, modern take on the genre.
Also, a weird suggestion ... have you considered travel books? A person or group of people goes out to find themselves, or the spirit of their native land, or some such? I read
Blue Highways, A journey into America recently, and really enjoyed it. Fewer monsters, less treasure than many of the books suggested, but still had a person setting out on adventures, and seeking something. There must be many other similar books that might be of interest (though again, a weird sort of suggestion). CC
edit to fix a typo
(I think it's still not correct; this is why I don't write.)