Dark Matter
Prophet
Fallout? There are a few characters with excellent dialog(mostly the ones with voice acting) but the majority of them are completely lifeless and dull, including all the companions. Bioware games, despite their cliches, beat FO any day. In fact, BIO games have superior dialog to the vast majority of RPGs. I think it's ridiculous how much people here bash the writing in Bioware games despite the fact that a good portion of all the memorable characters in CRPGs come from BIO games (denying this fact is blatant fanboyism).