The short answer is that it's a really relaxing, but still fun game. I think AC games have a fairly decent quality of gameplay to them, and could be enjoyed by both hardcore and casual gamers alike.
Each game is pretty much the same deal, and you do pretty much the same things, but the newest one is usually the one to get. Your character's initial appearance is determined by how you answer questions, which is annoying, but you can modify your character to some extent as you play the game - there are usually guides for helping you get a certain look, also. Then you usually get to name your town, and the game begins with your character moving to this new town and arriving by train.
Every time you start playing an Animal Crossing game, the town you create will be randomly-generated and unique. You can typically only have one save file per game (and you can restart it), but the beauty of AC is that you can usually have other people visit your town, and visit other peoples' towns. In the Gamecube/N64 original, you could have four players move in to one town, and if your friend played it while you were away and you came back to the game, you would see the town impacted by your friends' actions. But it's cool never knowing what kind of town you will spawn - sometimes you'll have apple trees and other times peach trees, and sometimes you'll have a long beach with a waterfall while other times you'll have several screens' worth of grass and bushes.
Also unique are the neighbors who inhabit your village. There are dozens of different animals - cats, dogs, frogs, koalas, squirrels, birds, lizards - who can move in to your village. And they all have different kinds of personalities and mannerisms. Some will be vain and always talk about working out, some are friendly and will give you presents if you talk to them often, and others can be crabby and only come outside at night. Part of the joy of AC is conversing with your animal neighbors, especially when they have something new or different to talk about.
Usually when you begin the game, your character will have financial trouble, and will need to run errands to help earn money to pay off their house debt. You're usually relegated to a delivery-man/assistant position for a bit, working for the raccoon shopkeeper Tom Nook. Once you pay off a small sum of your house debts, you leave the job behind and can just do whatever you want in the town for the rest of the game. It's kind of a shame that there aren't freelance jobs you could take on in AC, since that could be fun. But in New Leaf you get to be a Mayor, which I imagine gives you some new gameplay possibilities.
You get your own house in the village which you can expand and get multiple floors for as you pay off your debts. You can choose the color of your roof and siding. Inside, you can customize your wallpaper and flooring with different patterns, and decorate your house with various pieces of furniture and statues you obtain or buy from Nook's store. You can collect pieces from a specific themed set, or mix and match. You can even practice Feng Shui. Aside from being fun for customization purposes, designing your home to look nice and well-kept can earn you a good standing with the 'Happy House Academy', which frequently rates your home.
You can also customize your character and buy them different clothes and accessories. You can get different kinds of haircuts and styles, dye your hair any color imaginable pretty much, and get shades or a hat or whatever.
As the year passes in real-time, various events will occur in your town. There are scheduled Holidays every year - real and fictional ones. Check out the game on Thanksgiving Day and you might find something going on, but check in on some Summer Day and there might be a relay race going on or something. And usually once a month Red will open a Black Market shop in town, and every Sunday this one lady comes and sells turnips, which you can buy and sell kind of like a foreign stock market currency. There's often something going on in the game, even if it's just your neighbors going about their daily lives and fighting with each other, or snow falling in Winter.
I will say that you can get bored of AC after a while if you spend too much time on it at once. There is quite a bit to do, but the passage of time always helps make things more interesting. You can go fishing and dig up fossils and net butterflies with friends, and that can be fun, but AC is really a game you can play however you want - there's not a set objective or ending.
Well, sorry that got really long-winded... I wanted to do a good job of explaining what you can expect from Animal Crossing, and I think that is a pretty good overview of it. They're pretty fun games, and especially if you haven't played any of them before, it's worth checking out. I owned the Gamecube version, and then got Wild World on the DS, and I enjoyed both of them quite a bit - and I still plan on getting New Leaf. It might not be new or groundbreaking anymore, but there's really a nice charm to the AC games, and if Nintendo ever decides to act on it then there is probably a lot they could do to expand upon this formula with future installments. I say, give it a go.
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