This I will agree on 100% and is probably one of the biggest factors of the failure of TNG on the big screen.
I don't agree.
First Contact proved to me that there WERE great stories to tell with these characters.
The problem was that the writers weren't ballsy or risk-takers---they played it safe.
In Treks II-IV, Harve Bennett and his team thoroughly screwed with the Star Trek universe: In three movies, the cast went from heroes to outlaws to heroes, the Enterprise was used, abused, blown up and resurrected. We had action, drama, tragedy, comedy. Treks II-IV were all different from each other in good ways, but they also challenged our characters.
My longstanding memory of the TNG films was that they played it too safe.
I never got the feeling that there was anything terribly exciting or risky taking place.
Generations came close but it stumbled to a close. FC was great, and the series was officially out of gas in Insurrection.
In Nemesis, they tried killing off a character, but by this point, it all had a desperate feel to it and it came off like a cheap TWOK ripoff.
TNG has a record of 1-3, a losing record.