I liked the Reapers (although the idea wasn't all that new) and the Sov's speech.
Especially since it was so surprising
when battling through Saren's base. I was expecting Saren not the evil ship.

Also, that's just so Bioware. Also on Virmire, when Saren shows up, there is this incredible cutscene where the descents from the heaves

raining death upon our heroes only to be engaged in a conversation afterwards.

ME's endgame is great and has lot's of tension, maybe just a bit too easy.
Okay Ransom, I agree. Sb like
Tali'Zorah nar Rayya (puh!) is more interesting. Still, Kaidan is anything else but a flat character, ME's most generic character would actually be Ashley Williams I guess.
Still, her voice-actress delivers her agressive-sarcastic lines very well and like the rest of the game, she is very well written. Or maybe Wrex? Also not a very unique person, the looks aside.