All four of those things are in the game, not completely like functional, but there.
To turn off zeds, when you’re making a world, hit tab once where you select the mods and it’ll bring you to the “blacklist” tab and just select “no monsters”. I don’t know why you’d wanna do that, but you can. It’s gonna be super boring.
Npcs can be added through the world defaults (not the mods) by just turning on static npcs and random npcs when you’re making a world. Random npcs are usually hostile, just like Rust lmao, and it will usually not go so well unless you’re well equipped. Static npcs are the quest line characters, your bandits and other jazz. If you did that and aren’t finding any npcs to shoot you in the face, then crank up the random npc spawn rate up to like 0.50 or even 1.00. If you want the true Rust experience you can turn it up to like 25.00.
You can talk to npcs by pressing shift+c, and there is factions, kind of. I don’t wanna spoil anything, just use the terminal in an evac center and follow from there.
And your fourth question. I usually see like random npcs that I haven’t engaged with yet picking up random shit. I’ve once had an npc steal an engine off my front yard, and I killed him and got my stuff back… so yeah I think you can loot their stuff they’ve picked up.
Just remember it’s capital c to talk to people, I’m assuming you didn’t know that because you were talking about AI dialogue lol.