My advice would be to learn where the shift key is on your keyboard. Ba-dum tiss.
Ultimately, you have three options: learn to develop the technicals yourself, get someone else to do it for you, or, as you're asking about, use a "kit" solution.
The first is probably going to be the most rewarding path in the long term. It will also take the most up-front investment, however. If you're interested in going down that road, I suggest you start learning
Python; it's an easy-to-use language in itself (compared to, say, C) and its extensive library support will lighten the load when you start developing your project in earnest (in fact, your "talking heads" sound an awful lot like what the
Ren'Py library is designed for). But no matter what you're going to want to spend at the very least a few months - if not a year or more - getting familiar with how to code before you're really ready to start coding for the project you actually set out to make in the first place.
The second solution is a balance between the first and third; you'll have the flexibility that being able to write actual code provides without having to make the time investment to learn how to do it yourself. The problem with getting help, though, is that you might have trouble finding someone who is willing to do so. You can pretty much expect they're going to want to be paid, and I don't imagine you're going to want to pony up cash.
The third solution, the one you seem the most keen on, is to use an out-of-the-box game kit. My experience with these sorts of things has been... less than positive. Ultimately, you're either going to end up writing code - which is the very thing you're trying to avoid in the first place - or you're going to have to tailor your design to the tools you're using. People have done great things in RPG Maker, but nearly all had to be stuffed into the "standard JRPG" mold to work with it, and suffered greatly as a result. Since your idea is kind of strange, I doubt you'll find a "no-code" kit solution that'll support it. If you go down that path, you're either going to have to change the plan or end up coding anyway, at which point you're probably better off just learning Python.
Still, I've heard good things about Game Maker; you might look into that. There's a whole archive of such tools
here; scroll down to "Game-Making Software".
EDIT:
Ah, I missed the part where you said you intended to
sell the thing. I think you're getting just a little bit ahead of yourself. You probably shouldn't try to sell the first thing you make. Actually, the general rule of creativity is that you shouldn't even show anyone the first few things you make. You're going to want to get some experience under your belt before you actually try to get people to play a game you made.
And no solution is going to let you release on that many different platforms. The return on investment involved in doing that is very, very unfavorable. Stick to PC.
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