First, lemme say that I've seen the BioWare rehash list on TVTropes, and I think it's hysterical, because it's true. Secondly, I completely agree that there are very consistent stock characters, tropes, and plots that BioWare uses, though to be entirely fair, they tend to be true of just about every kind of RPG, not just BioWare's. I mean, if I rattled off the number of RPGs, Western and Japanese, that involve a young protagonist teaming up with a bunch of NPCs to defeat an evil after the protagonist's idyllic sheltered life was shattered, I'd be old before I finished. If I tried to list off the number of fantasy/sci-fi stories in general that did that, I'd be dead before I got halfway.
I think the difference with BioWare is not fundamentally one of creativity. The difference is one of execution. BioWare is excellent at making their worlds immersive, characters interesting, and plots intelligible within about the first thirty minutes. They're terrific at making games that grab your attention, then compel it through sixty hours of game. Fundamentally, BioWare might not have fantastically original ideas or designs--combat tends to be just competent rather than excellent or fresh--but they have excellent writers and solid level design. They're very, very good at putting the player on a more-or-less set and coherent plot with some branching, then hiding the rails and giving us the illusion of player choice. That takes skill, and it gives us RPGs with sensical plots and lots of roleplaying room without the stifling linearity of FFXIII or the "WHA???" of sandbox games where you literally have no idea what the main plot is.