>>1350355There's almost nothing noteworthy written post 1995, especially given the extra stuff you're looking for. Right off the bat, very few novels are written in first person and almost no novels, besides choose-your-own-adventures, are written in second person, so your hopes of vicarious larping are already dead in the water. Given all the others, your best bet is DA fanfic self-inserts.
>no smutYou better start learning how to enjoy watching paint dry.
And I'll save you a trip to /lit/ - start with the greeks.