I always go the complex way. My current engine is NALA of which the current version uses MonoGame, but I'm not sure it will stay that way forever. As for the scripting language I use NIL, which much like MoonScript compiles down to Lua, however NIL has a completely different approach, and is made to be much stricter than Lua, and most of all meant for projects that can easily surpass over thousands lines of source code, without getting odd bugs just because you misspelled a variable name (which has always been an issue in Lua when creating larger projects), NIL has also a few quicker (and cleaner) ways to set up meta-tables.
I coded NALA myself, and NALA in turn uses my Bubble FrameWork, and Kthura Map Editor, the JCR6 file system and some other features most of all with RPG games in min (except from MonoGame, all those things were also coded by me myself and I... I guess I just like to be self-reliant).