Propably somewhere in future. Hardest to do are new models, animations, armors :S
I hear ya, but I'm sure you get better at it with each go-through! You might even be able to find other people who're good at programming and can help work on some of the features.
Maybe when the game gets developed enough, to a point where it could all be fleshed out. Each race could have its own settlements, culture, strengths/weaknesses, clans or groups; maybe be able to make your own when you're powerful enough. Sort of like Dwarf Fortress, for example.