All (action)games I know of don’t have real and proper surface collision detection, except some physics games. Just an example: If my Char hits something or someone the weapon goes straight through without any physical reaction, it just counts the damage I’ve done. Are there any games out there, in which physics are calculated correctly and taken into visual account?!
Exanima does this.
Its a little bit half baked right now but it’s been under construction for the better part of a decade. I think the plan now is to use Exanima as a proof of concept and then pivot that technology into a “real” game. But I find it very fun in its current state and does exactly what you’re asking for.
Exanima is basically the prequel to the main game they are also currently working on (Sui Generis).
It’s also planned to have multiplayer after the story part is finished.