My problem with Resident Evil 4 has much to do with its punishing difficulty. Sign-posting is a major issue, long series of quick-time events are tedious to work through, and the game often decides to insta-kill you with no warning. A good game, certainly, but with significant issues.
Gears of War was fine, but nothing special. The gameplay was a bit too shallow for me to really appreciate it, and the plot was perhaps overly simplistic.
Not exactly sure what you mean by the last bit...
You thought Resident Evil 4 was difficult? Have you ever played something like Ninja Gaiden, Too Human, Devil May Cry, or even Vanquish's Challenge Mode? I thought RE4 was a bit on the easy side, but the quick time events were a bit tedious.
For the last bit, maybe highly reviewed games are awesome, and as individuals, we all might disagree with a game or two (you think RE4 is over-rated, I thing MGS4 is over-rated, etc).