So, long story short, I actually recently went down a rabbit hole trying to find exactly this!
A free screen reader program that should check a few of your boxes OP
(Features list copied from the website)
NVDA (Non-Visual Desktop Access) allows blind and vision impaired people to access and interact with the Windows operating system and many third party applications.
Major highlights include:
Support for popular applications including web browsers such as Mozilla Firefox and Google Chrome, email clients, internet chat software, music players, and office programs such as Microsoft Word and Excel
Built-in speech synthesizer supporting over 55 languages, plus support for many other 3rd party voices
Reporting of textual formatting where available such as font name and size, style and spelling errors
Automatic announcement of text under the mouse and optional audible indication of the mouse position
Support for many refreshable braille displays, including input of Braille via braille displays that have a braille keyboard
Ability to run entirely from a USB flash drive or other portable media without the need for installation
Easy to use talking installer
Translated into more than 50 languages
Support for modern Windows Operating Systems including both 32 and 64 bit variants
Ability to run on Windows logon and other secure screens
Compatible with Windows accessibility features such as Magnifier, Sticky Keys and Windows Voice Typing / Dictation.
Announcing controls and text while interacting with gestures on touch screens
Optional Telephone Support and comprehensive Training Material available at very low cost
OCR built-into NVDA to read inaccessible PDF files and graphics
Enthusiastic and helpful user community
In-built Add-on Store, with many available add-ons and an enthusiastic community of add-on developers. Add-ons are written in the well known Python programming language.
Add-ons can provide extra features, including: remote access for help, ability to use RDP, Citrix or VMware, A.I. Image description tools and more.
Secure mode for companies needing to restrict access to certain features