I disagree with both, ME3 was slightly ok.

First of all, the original concept of the reapers’ objective was way better than the “AI bad” we got;
secondly, most of its story is just tying loose ends - the whole game is a collection of fanservice moments, many of which look good but feel inorganic(heh) if you think about the fact that one undead human soldier (plus a few dozen subordinates) solves all major galactic disputes.