gameplay wise, gears 2 was terribly easy, yet the closing cinematics were amazing.

design wise, fallout 3 ended shockingly and left the player with limited options.

just plain stupid wise, far cry 2 wasan obvious wtf

overall, im nominating fallout 3 simply because it was so overwhelmingly disappointing.

Gears of War & Rainbow Six Vegas 2

I play them both fairly equally.

GTA IV is by far the most over-rated game to ever be released. Just because of its popularity it receives great review scores also. Gears of War is in no way over-rated at all, the game has the most popular and involved multiplayer available to date, just to throw that in there. A better topic would be under-rated games.