I concur that the Seven/Chakotay romance could have and should have been better developed. I feel like they probably came up with the idea close to the end of the season, and by then it was too late to go back and plant the seeds, so they just dropped a few little hints in the final episodes and then sprung the romance on us in the very last episode. I guess they loved the idea of Seven ad Chakotay being a couple so much that they were willing to overlook the fact that it was undercooked and in need of more development. I agree with them, it was worth it.
I won't get into a shipper debate by stating my reasons why I wanted Janeway to end up with Chakotay.
Don't get me wrong though...I absolutely LOVE Seven as a character...I think Jeri Ryan was brilliant...just not with Chakotay.