If we are going back to Wizardry and Ultima, then we need to look at the FIRST RPG, OUBLIETTE. It even predates DOS.
Here is a nice review of it:
http://therpggamer.com/2013/08/05/review-1983-oubliette/
It was pretty deep for having been made in 1977. In fact, the character generation was unique in that you didn't just choose a character class, but you created your character by selecting professions and working at that profession for 5 years, then it would open up different career pathways (with different perks) based on socio-economic status, attribute scores or even previous career experience. Very cool!
Another one is Darklands.
http://en.wikipedia.org/wiki/Darklands_%28video_game%29
This one often gets left off of reviews for some reason. It was the first one to copy the career-path character development of Oubliette. It was pretty interesting in that you were dropped into 15th century Germany during the Holy Roman Empire. The historical setting was interesting, and a refreshing break from purely fantasy worlds.