I've got to say that the voice acting in Saint's Row 2 was what allowed me to continue playing it. You see, even though I crafted the character, his personality wasn't mine to control, making him a character rather than an avatar. So of course, when he made a stupid decision or did something opposite of what I wanted at the time, it wasn't as bothersome because it felt less like my avatar suddenly sprang to life and ignored my commands.
However, for some reason, Half-Life 2's lack of voice acting felt somewhat jarring. Times when it would be pointed out, or when a character he knew would greet him, made it so that my Freeman (and let's face it, like the Wanderer from SotC, Noble 6 from Reach, and a host of other silent protagonists, everyone has a different character/avatar) was suddenly forced into a different character than the one I thought he was based on my actions controlling him as an avatar. Sure, I would eventually fill in the pieces with my mind to compensate for that, but it still made for an awkward moment (though with the old friends, maybe that was the point: have you struggle to remember someone but just come up blank).
However, for some reason, Half-Life 2's lack of voice acting felt somewhat jarring. Times when it would be pointed out, or when a character he knew would greet him, made it so that my Freeman (and let's face it, like the Wanderer from SotC, Noble 6 from Reach, and a host of other silent protagonists, everyone has a different character/avatar) was suddenly forced into a different character than the one I thought he was based on my actions controlling him as an avatar. Sure, I would eventually fill in the pieces with my mind to compensate for that, but it still made for an awkward moment (though with the old friends, maybe that was the point: have you struggle to remember someone but just come up blank).