Well, I think the humans of Trek at least are possibly a little technophobic, certainly cautious when it comes to certain technologies; genetic enhancement, cybernetics, robotics and AI, nanotechnology. Part of that's their history- eugenics wars, etc (plus in the late 24th century setting someone is invariably going to make the Borg comparison).
Second, the humans in the Federation seem to be going through a long period where their culture venerates the fairly distant past; they love anything to do with the 19th or 20th century, but not the 22nd. They have horse-drawn carriages in New Orleans. The music and literature they value are those dating back to
before the 19th century, etc.
Thirdly, I think many humans in Trek are like Bajorans- they prefer a "simple" life in many ways, but not in the same manner as, say, the Ba'ku. They certainly embrace new technologies but as a means to improving their chosen way of life, not to significantly change that lifestyle. I think humans in Trek are a somewhat conservative people- they know what they like and are content with it. Progress technologically isn't an end in itself to them. If they want it, they'll develop it. Technology is just a tool to help make that somewhat conservative life comfortable and remove the negative aspects of any historically "simple life". So tech like replicators and advanced medicines and transporters and defensive forcefields and instant communications is embraced, because it enhances that lifestyle.
Personally, I would applaud this. To me, technology should be a tool, not a way of life. Maybe Starfleet forms a distinct sub-culture among humans where technological progress is valued far higher (like the situation of Picard's brother at his vineyard Vs Jean-Luc in his high-tech starship)? They might well experiment for the sake of it and represent a more driven arm of society to balance the general population?
Overall, I'm fine with Trek not being too "science fiction-y" in this particular manner. I think Trek's sci-fi strengths lie elsewhere. There are plenty of other places to find the technology-centric speculation. I very much appreciate those Trek books which make an effort to base everything in genuine science, because that always helps make the setting convincing, but that's just a platform for the real story and the real focus, which to me should be about characters and cultures not technology. Trek for me is about Klingons wielding swords and Romulans seated in their Senate chambers in robes, and Bajorans farming. I like exploring these civilizations and the characters who exist there, and how individuals and cultures and races interact. The technology is just a backdrop and a means to get those cultures and characters to one another- or give them things to argue over.