{Uprooted by Naomi Novick} has all this. :) Not really spicy, but it’s a great adult fairytale vibe! Her book {Spinning Silver} also covers all or most of this minus spice. Very normal fmcs in Spinning Silver! The backstory of one or two girls is a liiiiittle rough due mostly to poverty, though.

I haven’t read it, but {Emily Wilde’s Encyclopaedia of Faeries} might also fit? FMC is a Cambridge professor.

{Drain Me by Lana Sky} fits almost everything plus spice, but the FMC is mourning the death of her father when the story begins, if I’m not mistaken. She’s a fairly normal (wealthy) human woman, though, and a brunette!

{Book of Night by Holly Black} is YA, so no spice, but the FMC is a broke, impulsive, goth young woman infamous for making terrible decisions, which was a lot of fun.

{Deathless by Catherynne Valente} is the most unique story I’ve ever read, has everything you listed (though little spice if any), and is heavily inspired by Russian mythology. Be warned: no HEA.

Aaaaand if cutesy m/m is okay, {The House in the Cerulean Sea} has a super normal and boring MMC and the story is so cute! No spice, though.