My Top 10, in order:
1.) Xenosaga (omfg so awesome)
2.) Final Fantasy X (great every time I've played through it)
3.) Lufia 2: Rise of the Sinistrels (old SNES game)
4.) Chrono Cross (high replay value for storyline)
5.) Chrono Trigger (hard to beat 30 or so endings)
6.) Final Fantasy 8
7.) Final Fantasy 6
8.) Final Fantasy 4
9.) Final Fantasy 5 (from what I have seen)
10.) Final Fantasy 7 (here comes the whining "OMG, it's at the bottom of his list, he's an idiot") Hey, at least it's ON my list

Honorable Mention: Super Mario RPG ('twas a good game), Dragon Warrior 7 (intriguing), Kingdom Hearts (anticipating the sequel)
I'm trying to acquire a copy of Xenogears, and am currently playing Parasite Eve for the first time.
My biggest disappointments are: FFX-2, FF7, and FF9.