I think Toady could take some inspiration for Adventurer mode in DF from the designer of this relatively new roguelike.
I had discovered Incursion several months ago when it was first released in alpha, but found it to be almost too buggy to play. I just had another go at it a couple days ago and had possibly the most immersive experience I have ever had in a traditional RL (Other than DF of course! ).
This game is as detailed as it gets for a Roguelike. It is strongly based on the D&D 3e ruleset and you will find nearly all of the same races, classes and skills here. The adventuring itself feels almost like a Pen & Paper session, only the Dungeon Master is a computer (a VERY smart computer).
Entering rooms will give you a brief text description, and each has a very unique feel to it. You simply won't find an endlessly cloned labyrinth here as in Nethack and Angband.
The monster AI is the smartest I have ever seen in a roguelike. While playing last time, I 'heard' a fight going on in the room next to me. I entered the room to find another adventurer fighting an Orc on his own! When I entered the room, the Orc had to make the decision to come after me or the other guy. When I backed away, to ready my bow, the Orc quickly decided that the other adventurer was the easier target, and went after him - literally chasing him down the opposite hallway! Later I found the body of the adventurer, but no sign of the Orc. Wow!
There are tons of cool status effects, like fear, heat/cold, and fatigue. You can actually get scared of creatures that would really scare you, like undead. Everything is based off your stats so performing skills like 'listen' and 'search' all depend on where you put your starting points. The character set-up is very deep, and takes a while - just like D&D.
Anyway, I just wanted to share this with you guys and see what kind of crazy stories you can come up with. The developer has some docs on his goals for the project, much of which already exists in the game. It is still in alpha, so expect a bug or two and not all of the skills work yet. But still, it rivals Dwarf Fortress on sheer complexity. Like I said before, Toady could do well trying to aim for this kind of adventurer experience in DF.
Here is the game site:
http://www.incursion-roguelike.net/
(The section called 'White Paper', is a great read too!)