Quote: "I just love wandering around 3d worlds, and I want create - or help create - them."
I know exactly what you mean. As others already mentioned, and even in it's current state as an FPS creator, there are many types of games, simulations, walk-throughs, demos, presentations, etc that you can create with it. The only limit is your imagination. There are some who see great value in just using it as a platform to get their models into, so you can't go wrong there. I do a little writing and plan to use Reloaded to make some scenes for my stories.
It sounds like the Bronze level is where you want to be right now. If you get totally wrapped up in this as some of us do, you can always upgrade later.
Brian.
If my post seems rude or stupid, don't be offended. It's just a failed attempt at humor.