I haven't played Tera, but the main draw of GW2 has always been that it's a much more casual experience. Heart of Thorns added harder content and raids, so the lack of end game isn't as huge a thing anymore. You list grinding as a con in GW2, but I'd honestly say that it doesn't have to exist if you don't want it to. Sure, you can grind the same events over and over which provide the most gold, but in the end game, the only thing you need gold for is fashion. In fact, the game is often called Fashion Wars 2. There are better stat sets that you can go for in the end game, but you don't need them since they only provide maybe a 10% stat bonus. Having the best stats for raids is nice, but the dps checks aren't tight enough for it to matter. There's just less room for error.
For PvP, if you're planning on trying out the game as F2P first, I'd honestly just avoid this. HoT introduced some major power creep so the elite specs are much better than the vanilla specs. PvP is quite a bit of fun, but it wouldn't be if you're not on equal footing.
More on endgame since this is something people tend to bring up, what do you actually look for in endgame? Grinding for better and better loot with slightly better stats each time? You won't find that. You will find high level zones and content though. The entire recent expansion is basically all end game, though I wouldn't say it was worth the 50 bucks they charged for it.
The one thing you didn't mention is exploration. I tell everyone to take their time when going through the game the first time because the open world is one of the best. Many of the zones are absolutely gorgeous and they also have lots of hidden areas which usually lead to jumping puzzles.
You mentioned story being interesting, but honestly, I'd disagree. Most of the characters are bland and the ending is pretty anticlimactic. HoT had some better characters, but the story was FAR too short and was honestly just stupid. The lore of GW2 is very interesting, but it's not presented very well in game and really isn't utilized all that well by the writers. I'd say that this is probably the weakest part of the game.
Also, for characters looking the same.... what? I guess some of the generic armors that you see early game look fairly similar and there are a lot of trench coats for medium armor, but dungeon armors all have pretty distinct looks and there are quite a few other sets besides those.
Another thing you'll see a lot of people praise in GW2 are the world bosses. These are definitely pretty cool the first couple times you fight them, but they're honestly some of the easiest content in the game. Most of them don't involve very much in the way of mechanics. I rarely do these now. Instead of more world bosses, Heart of Thorns introduced more map-wide meta events. These are more mechanically involving and require quite a bit more coordination from the map. Most people have them down pretty well now though, so they don't fail nearly as often as they did during the first month of launch.
To be honest, I'm not sure where you got the breakdown of +/- for GW2, but as someone who's put about 600 hours into the game, it doesn't seem all that accurate. Although, I suppose it can't be that inaccurate since, for good reason, World vs. World wasn't even mentioned in your overview. A part of the game that was once considered to be a major selling point has been so thoroughly neglected by the devs that it's basically reached meme status in the community.