8.) Characters
Fallout probably has the best characters, but looking at the characterisation of lesser figures, I think Underrail actually wins on this one. There are a lot of 'moderately characterised' figures like Ezra, Dude, Gorsky, Yngwar, Ferryman, Todd, Professor Oldfield, Briggs, Ladelman and Marcus, Seeger scattered throughout the game. Lots of little things, like Mordre being unwilling to accept a gift of hopper meat and demanding that he pay you for it with a stimpack, one of the ferrymen having a pirate persona, one of the Tchortist guards being mortified if you ask for a key from him but have already pickpocketed it. Also there's a lot of dialogue options where you can be autistically literal and make the NPCs facepalm.
Maybe I just don't remember enough Fallout writing but i think most of it's concentrated on a handful of characters.