is this inclusive of 10? i thought that game was fucking amazing... story, characters, music and all. gameplay in depth too, although i wasn't too fond the sphere grid. Granted, it could be that the advent of audible character dialogue helped bring them to life.
8 is a close second. admittedly though, i grew up with 10 and 8, so i have a strong bias towards them. i played 7 later and didn't like it nearly as much. its characters... i'd say the majority weren't very likable. Cloud, Tifa and Aerith were meh. just generic personalities, although Tifa the least so. Barret was a pretty awesome dude, and naturally Sephiroth was likable for being a total bad ass. aside from that though, there wasn't much to him. just a stereotypical nihilist who is also batshit insane. Cait sith and Vincent were cool.
as for Cloud... well, that's a tough one. with FF8, i didn't mind squall. and these 2 chars share very similar personalities. even so, squall had a lot more depth to his character, and his character dialogue was much more enthralling, just thinking back to his interactions with Quistis for instance. he may have appeared emotionally empty, but the writing in that game actually managed to engage me in his character. perhaps they focused more on bringing out the contrast his personality had with the other characters'?
Cloud, on the other hand, was just a dick. he never really stood out as a likable or interesting character to me. his circumstances, sure, but the character itself... i mean he's not Vaan, but no character of the year either.
I liked the majority of FF8's characters. Zell, Irvine, Seifer, perhaps Squall, and to a lesser extent, Quistis and Selphie. The first 3 at least are all booming with personality. And regarding gameplay, I didn't mind the junctioning system.
I felt like FF8's story, environments were better too. They had you going to all manner of places, doing all sorts of crazy shit, more so than FF7.