no assets and no experience,
You can import your own assets into the engine. You don't have to use the ones from their library or shop. Same as RPG Maker. You're not limited to only using DLC assets you buy. Unless the assets you bought say Maker use only you can use them in any engine.
but a mostly blank slate that I'd have to build the entire foundation for before I can even think about any creative aspects.
Yes, this is true for pretty much every engine. You have to build the game you want from the ground up or start with one of their templates and edit it. GDevelop has over 100 templates including for top down shooters and action games, most of which are free.
the first thing that pops up is a tutorial on how to make a grid so you can program your character to walk
Yes, because they let you build just about any type of game. A platformer is going to have different movement controls than top down or 3D. It wouldn't be helpful if it just gave you top down by default if you want to make a platformer. RPG Maker just gives you top down tile based movement and if you want something different, it's up to you to find the 3rd party plugin for it and any support is not their problem.
"ARPG" is also vague and just a collection of mechanics. TWEWY and Ys are both ARPGs but have different controls and mechanics. ARPG mechanics are also found in other genres. You probably are using melee and projectile combat, which is also used in platformers, roguelites, beat em ups, etc. which there are a lot of templates and tutorials for.
RPG Maker comes with prebuilt RPG-specific systems like the inventory. menus and battle system. That is its strength. If you like those template systems, great, the work has been done for you. If you want something different or want to radically change it is a lot of work and not much better than building it from the ground up how you want.
For me specifically, RPG Maker is weak when it comes to pathfinding, custom collisions, and performance. Its menu customization options are also weak. If you're making the typical 2D menu based RPG, it is fine, but you start running into problems when you want more.
This is what the RPG Maker devs themselves said about making an action game in RPG Maker and why they had to make a new engine (Action Game Maker) instead of just using RPG Maker
"The processing requirements for RPGs and action games differ significantly. Action games, in particular, demand high-performance collision detection and fast response times, which made our RPG-specialized in-house engine insufficient for this genre."