Not to mention the fact you don't actually NEED any books beyond the Basic Set (3rd. Ed. of course) or any dice beyond those you can scavenge from your closest old Risk or Axis&Allies set (though I don't recommend the latter; in my experience Axis&Allies dice like to roll high, so unless you enjoy crit failing your skill rolls, go with the Risk dice. ) It's probably easier to buy a copy of Magic and Fantasy Folk than to generate spells and demi-humans yourself, but it can be done, and in an inherently balancing way; any bonuses you give to a demi-human race will be reflected in the cost of playing that race, which will consequently leave you less points for the rest of your character. Most importantly, you can send Captain Kirk, Merlin and Wyatt Earp out to battle the Dark One without worrying about incompatible rule sets for different settings.

I'VE never played 3rd Ed., but understand it incorporates a lot of the character point building system and skill rolls from GURPS; 2nd Ed. had randomly generated characters with a limited number of weapon and non-weapon "proficiencies" (even those were an optional rule, but anyone who wanted more than just basic hack and slash had to use them, since it was the only way you could do things like create a character who knew how to make his own armor, much less weave a tapestry. ) And the wonderful rule about certain weapons being off limits to certain classes, relegating wizards to daggers and staves in melee and slings and darts for ranged attacks (and since clerics couldn't use anything with an edge, they were pretty much stuck with slings for ranged attacks. )