I agree with point 4, mostly. As much as I enjoy Bioware games, this is practically the definition of a Bioware RPG, so I knew this going in. Although they talk a lot about choices (and to be fair, they give the user more interaction than a lot of games) it has always seemed to me they're sort of obsessed with forcing the user to play their characters their way rather than letting the player be their own character.
To be clear: I don't think story was a mistake. Not at all. I'm having a lot of fun with the game and I do find it quite immersive. It's a refreshing change from every other MMO I've ever played. But I get that Bioware wants to tell us a story, not let us make our own. It may have a lot to do with why some people feel like there's nothing more to do once the main story ends. As fun as the story is, at the end of the day, it can feel like it's not really my character, just another character in a story I was participating in.