Maverick was a much more feel good movie. Maverick has still got all his skills and a unequivocally upbeat happy ending. People felt good leaving the theater and told their friends, so the movie had legs.
Indy is much older than Maverick, so he can't rise to his previous heights. Then at the end he reunites with Marion, but their son is still dead and they are still living in a crappy NYC apartment. (What happened to his nice house from CS?) It just doesn't end strong.
If he'd stayed in bed they never would have found the first half of the dial. He wasn't even on their radar as a connection to the dial. At least in Raiders he saved Marions life (who would have probably been killed when the Nazis eventually tracked her down for the headpiece).
Fair points all. Though I figure that Indy let Marion keep the house. Since he's been at the college a decade, I presume he commuted in before he and Marion separated.