What open-world RPGs have lasting effects on factions, settlements, and NPCs?

[Luke.M]

I'm looking for a new open-world RPG to sink my teeth into, but I'm specifically craving one with a world that feels truly alive and reactive to my choices, rather than just being a beautiful backdrop for fetch quests. Games like The Witcher 3 set a high bar for meaningful side content. For players with similar tastes, what are some recent or slightly older open-world RPGs where your decisions tangibly change factions, settlements, or NPC relationships over time, creating a sense of lasting impact beyond the main story?