Cloud was far from one-dimensional. He goes from young country kid in over his head, to cocky schizoid/Zack clone, to a hero that conquers his fears. Cloud's awesome, and will always be the face of Final Fantasy for me.
That said, Lightning's got nothing on Cloud. Although I always thought her name was cool.
Cloud is a failure, a character that needs 2 games, and a movie in order to finally become "Something" other than one dimensional, is quite sad indeed.
Terra did not need 2 games and a movie, nor did Cecil, or Zidane, Squall, Barts etc etc.
He is an overrated character, in an overrated game, with an overrated villain to match... FFVII was good do not get me wrong, but it was not THAT Good.