should I just use URM (which I've only heard about it and dunno what it does)
I'm not an expert, I can only explain how it's work.
URM basically an expanded version for 'Console and Developer Menu'.
Many games locked the developer tool.
Using
Unren hack tool made by Sam, you can unlock the Console and Development mode.
Pressing Shift+O, you can hack/edit things the game gold/money, relationship, stats, etc.
But many script have branches, so you cannot seek the things you want to change.
With
URM, you can dissect and edit everything, but only affect your progression which stored in the savefile.
You can change the character name as you wish, without unofficial patch.
Branches script can be located. But it's not for beginner for sure and require learning curve, trial and error how to using it.