I agree. While the execution tends to be kind of...off, but there is so much creativity in the world design. Skies of Arcadia, Ar Tonelico, any Final Fantasy, Shin Megami Tensei and so on. There's even a jRPG about the console wars! Even Xenoblade, which has been hailed as the best of East and West combined has a fantastically unique world. I've found that on average, even the most bog-standard jRPG has a much more unique world than the average wRPG. Mass Effect is great, but there's no moment like Star Ocean 3's big twist (I thought it was kind of stupid, but I didn't expect it and it was a good idea, just badly executed). Fallout 3 is good, but it doesn't do the atmosphere nearly as well as Nocturne or Digital Devil Saga (which I hold up as some of the best post-apocalyptic games ever).
Both Japanese and American developers try to play it safe, but safe for a jRPG is so much more interesting (and colourful most of the time) than a wRPG. That's not putting wRPGs down, that's just my opinion.
Those are some terrible examples anyways.
SoA is a terrible example because it came out over a decade ago and is more among what the JRPG genre is downturning from.
Ar Tonelico would be a great series if I could honestly recommend it to anyone instead of keeping it as a secret shame due to all the needless sexual innuendo and weird shit like a bathing power up mechanic or a strip down power up mechanic. Also it has a nasty habit of everything consisting of facial expression, visual effect, facial expression, visual effect, ect....
Final Fantasy stopped being good around IX/X/XI depending on who you ask. X-2 sucked ass (combat's not as good as anybody remembers; the rest has already been spoken for), XII was a mess, XIII was a tech demo, XIII-2 was more of a Final Fan Fiction than a Final Fantasy, and have they even released a FFXIV and meant it yet? I know they wont be releasing Versus any time soon.
SMT is an acquired taste at best and "PERSONA SPAAAAAAAMMMMM!!!!!" at worst. It's also COMPLETELY Japanese. Even in post apocalyptic settings.
Neptunia is everything that's wrong with JRPGs right now; although not to the same degree as other choice games like Argrest Wars, Cross Edge, Endless Frontier, Luminous Arc, and so on.... Also Neptunia runs on Japan brand humor which means word plays and stupidly obscure references slathered all over the place.
Xenoblade is indeed an incredible example which is why its a terrible example. Its as far from average as you can get in a JRPG, and one that's actually gone out of its way to address many of the issues currently plaguing the genre. Its the literal standout since DQVIII came out a full console generation ago. Its the exception, not the norm or anything close to it.
Star Ocean 3's been covered by the above.
My point is that whatever value these games might have at the start is lost for the familiarity of the main guy with a sword, savin' the day and his childhood+girl next door girlfriend while his home town, his aging mentor, and possibly one of his party members and/or his classmates at his Japanese High School all meet a dramatically tragic end, along with any NPC female since they're all functionally useless beyond existing solely to be a cunt/overwrought death scene fodder/fanservice, the last of which is also covered by all one/three female party members, including the trying to be cute but is utterly obnoxious and poorly designed to boot loli, your male party members will be a bit more diversified since they're both representing all the non human races and non main character's home country and are actually relevant to those areas unless they're not because only the main character and his romantic side plot are the only things that matter at all, especially not the villains if they aren't your personal rival because they're either cartoonishly evil, incompetent doofs, generic embodiments of evil, female (unless they're part of that romantic side plot in which case the older, uglier, female villain that's irrelevant), whiny teenagers who have absolutely no right to bitch and complain, godmodding marty stus that completely ignore the outcome of the boss fight you just fought, godmodding marty stus that can not possibly fail because the writers want him to be the ULTIMATE BAD GUY!!!lol101...
The tl;dr is that; yes. I'm getting too old for this shit.
Also the best post-apocalyptic game IMO is Nier. Nothing like noticing an oddly absent environmental mechanic having a goddamn depressing and fucked up story reason behind it.