For me it is Chloe from Detroit Become Human. I like her because she is beautiful, expressive, she breaks the fourth wall and evolve alongside with me the player. It is like she is being affected by my choices in the game.
I mean like everything it is very subjective, I didn't like the replacement characters in Borderlands 3 they made to recapture how successful Handsome Jack was a villain, but Borderlands 3 has a loooot of writing and pacing issues. It could also be that I played Borderlands 2 when I was in my mid teens and still in school.
I can definitely see why you find him annoying, I definitely wanted to shoot him in the face throughout the story. I felt his quips were also "humanising" aspect, at the beginning of the game he seems somewhat all powerful with a lot of the things he does, but then he says things that make you go, I could just shoot him