The series peaked from IV to VII
IV is overrated to Chrono Trigger proportions. Worse even, Chrono Trigger is better than it. IV has absolutely nothing that sets it apart from the rest as a game. As a story sure, go ahead an like it for that if you must. But the game side of things is complete trash they intentionally streamlined over the already barebones three games that came before it. I can only assume people that like it do so because it was their first exposure to the series. It's just too barebones to enjoy, and a classic example of why JRPGs as a whole get a lot of unfair flack. You do absolutely nothing in that game. Fucking Pokemon has 10x more depth. Lumping it with the actual good games in the series that are that much more engaging makes no sense.
I also assume you've not played FFIX, It's undeniably a classic. FF8 sure it's a love it or hate it game, but 9 even if not my personal favourite is obvious peak series quality.
Nope. You're wrong on all assumptions there. I've been playing FF since the original NES release of FF1, and I finished all of them until FFX. You obviously don't care for FF IV or Chrono Trigger. Cool, but I'm pretty sure you're in the minority there.
I found FFIX overrated with its Disney-like characters and generic fantasy story, but like your opinions of FF IV and Chrono Trigger, it's just personal preference. I'd rather play the SNES era games than replay anything from VIII onwards.