Likewise, I can pick only a few talking main characters that I have liked (and I'm talking jrpgs here). Which is funny, because my favorite jrpgs are the ones that feature silent leads:
Suikoden series (II and V in particular, especially when it comes to V, because depending on what you say and do it makes it much harder to recruit certain characters)
SMT series (Persona 1, 2, SMT3, DDS)
DQVIII
Dragon Quarter
Chrono Trigger
There are few jrpgs I can think of where a talking lead actually made me like him and want to know more about his plight.
These games are Final Fantasy VI, Valkyrie Profile 1 and 2, Skies of Arcadia, and Final Fantasy VIII. I have played many jrpgs, but the leads often come of as the least memorable characters, talking or not. So it never really mattered, because at least with silent protagonists, I am usually given a choice (depending on the game).