I'm not sure I agree about Garrus. Maybe in ME and ME2 sure, but he really has matured by ME3, I think. He is very capable by then and a solid rock for Shepard to rest her back against.
I haven't played DA:I or DA;2 but really enjoyed Origins. I remember KotOR I and II had a system similar to what you mention, but it was fairly limited and tied directly to the morality system.
Don't get me started on Skyrim though! One of my favourite characters is Delphine, another strong woman who dares question the Dovahkiin and is almost universally hated by players for it. I know exactly what your saying about the emperor thing too.
Ha, I really liked that bear/dog comment. It's definitely one of her more emotive ones. But truth be told, if it was a case of my wife or my pet, my wife would be saved with little hesitation. I'd be dying inside, sure and would be emotionally wrecked by such trauma. It is the only sane choice to me. I know it's not a direct comparison because the cat or dog cannot actually talk, but if it was any human vs any random turian? Not sure.
Good point about Garrus, yes if I recall he does come into his own in ME3...I haven't played ME3 in some time, so out of touch with a lot of whats said, etc... had my head stuck in a heavily Modded Skyrim for the past how long

...but did just finally complete a new ME1 Shep today and about to import him into ME2, am looking forward to taking him into ME3

...will take a closer look at Garrus's evolution then, but I do remember him with a more in charge attitude. Your femShep sweet on him?

... this last ME1 run it was most usually Garrus and Ash as Sheps team...I remember he was my Sheps go to man in ME3 also, the one Shep expresses his concerns to, etc...You like Delphine? We are at odds there lol...she gives me the sh*ts

...I personally don't see much similarity between her and Ash, do you? To compare characters I would see Delphine as more Miranda like and I really do not take well to Miranda O.o... The difference I see with Ash is, Ash is a straight up, straight talking, straight shooting Soldier, is very clear cut and just calls it as she see's it, no agendas, isn't out to one-up-manship anyone, etc...Where as Delphine like Miranda has a major chip on her shoulder and takes it out on those around her...how I see it is Ash challenges you because she has every reason to and she's covering her bases, is a smart watchful woman...but Delphine challenges you because she has the issues and hang ups, taking her issues out on you, all it achieves is aggravation and frustration, isn't thought provoking like Ashley's accusations...you get where I am coming from? Probably doesn't help with the kind of Dovahkin I RP, he is a whole lot less helpful, patient, willing to listen and play ball than my Shep

...he would make a shocking Emporer lol...good thing he isn't

I never played KOTOR, have it, but haven't played it for the same reason I quit DA, it was DAO I tried, but I really don't enjoy the point and click combat, much prefer ME's and Skyrim's combat style.