Ah okay. I think I'm starting to understand what you mean now when you say Cloverfield has no plot. I wasn't quite sure, so that's why the examples I gave kinda ranged the gamut of "nothing happens" to "I don't get what happened".
Anyway, your plot description of Cloverfield pretty much matches that of every other disaster/monster movie out there, especially the older ones which is definitely what Cloverfield was trying to parody. There was also the side plot of the main character trying to find/confess his love for that girl, which also is quite common in those types of movies.