Reloaded should be much more suitable for what you wish to do. However you may have to wait for additional features to be added.
At least you can quite relatively easily build your game environments. Reloaded should have some support for talking characters and better support for different types of games and other 3D world content eventually and not just FP Shooters at least that the intention I believe so that looks potentially more helpful to you. There's a lot more to add that will help you yet I am sure.
I guess the hardest part may be any advanced scripting you may need to do yourself if any depending upon you game design and interactive requirements and so on.
You could design and build some of your environments while you wait though perhaps it may be best to wait and see if all the features you will need will actually get added first.
Though helpful I am not sure you will need to know a great deal about the technicalities of things like Occlusion, Shaders and so on. By and large Reloaded should take care of that. In any case there is a wealth of info available over the web at no cost. Google, Wkki and as well as game and game engines web sites and a lot of helpful users here too.
Hope that helps just a little.