Squall is my first answer, though Cloud is close behind.
Squall was just a jerk riding the emo wave of the time. I actively disliked him.
Cloud never did find a personality. I understand his conflict but that doesn't make him sympathetic or likable. In my opinion, Tifa and Aeris made FF7. Tifa's conflict, especially, grabbed my heart.
As for Terra, she was okay. I don't dislike her but Celes was the star of the show for me. Once she appeared and we began to learn about her inner struggle, Terra fades into the background. I'm still amazed at how much character progression and passion they managed to squeeze into those little sprites. Because of her depth, Celes is one of my most favorite characters in videogames, period.








