Originally Posted by WorstUsernameEver 
Background lore =/= story.
Which is why I spoke about both as separate entities
The characters? I understand it's a matter of taste, but characters in Mass Effect for me were absolutely dreadful, and I usually enjoy Bioware NPCs a great deal.
The characters themselves were pretty standard-fare, but they made sense and carried what they needed to, quite well.
AP, as you say, is a matter of taste - and I didn't find a single character interesting or appealing.