lol perhaps you should let your standards down. All the games now are high detail. Everything since the end of '05 is pretty good in detail. I was gonna suggest a couple of MMOS but wait....that wasi n your list too. Good luck finding a game with requirements like that
 I would recommend Deux Ex, its quite an old game but a classic, and the detail and difficulty depend on how you play the game. Might be quite hard to find in the shops these days though.
Seriously now, considering all the prerequisites you'vestated, you might want to check for an older game...you will still find some decent games in the bargain bins
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