I usually rate games based on story, characters, and gameplay, so the below list will have all three unless mentioned. There are other things involved (music, atmosphere) add to the experience, but those three initial things must be there before I'll consider a game worthy of the highest honor.
In no particular order:
1. Suikoden II/V- II was good while maintaining a large cast. V is like a homage to II yet different in it's own right. The music rocks in SII.
2. Final Fantasy VI- The world, atmosphere, and music add more to the experience. Everything about this game is classic. It was groundbreaking for its time. The music is so memorable that I have Terra's song stuck in my head as I type this: http://www.youtube.com/watch?v=fNFlkfDnH9E
3. Mass Effect- I haven't played the entire trilogy, but this game helps scratch my sci-fiction itch.
4. Chrono Trigger- I was in the 9th grade when this came out. I remember waiting in anticipation for this game and, thankfully, it did not disappoint. The music, artwork, atmosphere add to the sense of wonder when playing this game.
5. Final Fantasy X- I may be in the minority, but I think it was a good addition to the Final Fantasy series. I didn't like the voice acting for Tidus and Yuna. Their scenes felt forced at times. I do think, however, that the overall concept of the game is unique and could have been delved into more.
6. Persona 4- I like the characters and story, however the dungeons are too repetitive. Same scheme with different colors. I haven't fully completed it but I realize that it is a really good game.
7. Castlevania: SOTN- Music is great. Gameplay is fast. Great game.
8. Tales of the Abyss- It seemed like it took me a long time to beat the game yet I didn't get too bored with it. The ending was good and the development of the characters felt natural.
9. Resident Evil 4- Creepy game. Atmosphere was top notch.
10. Wrestling games for the N64- Pure fun. A guilty pleasure for me. I use to watch wrestling all the time when I was in high school. These games were addictive.