They’re my favourite Doctors too (though I do like Tennant and Eccleston too) and Moffat my favourite DW writer but I think he was better at individual stories than ongoing arcs and show running generally. The RTD/Tennant/Eccleston era was probably when the show was overall at its best (though that could of course have been the novelty and freshness of it all).
Time has been kinder to Moffat’s tenure than fans and critics were at the time, mind you,
I think this is the thing we often forget, I mean in hindsight Bad Wolf was a bit rubbish, just some random words that, it turned out, meant something at the end of the season, in fact even at the time I was disappointed. The trouble is every showrunner has felt the need to outdo themselves and/or outdo the other guy (the exception being Chibnall who tried to do something a little different but just wasn't a good enough writer to pull it off.)
I'd still like to see the showrunner hand over responsibility to someone else for the season finale.
The entire universe and billions of people don't have to be at risk for a story to be epic. There's a reason Androzani is so freaking awesome, because the Doctor risks everything, and in the end sacrifices his life to save a single person, and not even someone he knows very well at that!