First of all, very thorough post, Chewin! It was an enjoyment to read. But I have some questions, and disagreements I'd like to point up you had about Loghain.
You took up that Loghain is not a evil person. Well this is what I disagree on. To prove my point, here's a list on what he does in Dragon Age: Origins;
Loghain betrays his own people and lets his King die.
The death of the King throws the land (Loghain's land!) into complete chaos and civil war, in which many more of his people die.
He plots with Uldred to overtake the Mages Tower, which results in a catastrophe.
He employs a blood mage to poison Arl Eamon, the only person who can stand in his way to the throne.
He trades in elven slaves to fund the civil war
Allows Howe to torture and murder people unto the destruction of an entire line of nobility
So yeah, these deeds kinda makes him an evil character. it's okay to like him, but saying he is not evil is not simply true.