Thank you, Tarelius, for the excellent post. I don't disagree with anything you wrote. I did, however, have a somewhat different experience with some NPCs because my PC was a LS female. Handmaiden played no part (obviously) and I must have missed a good chunk of Visas' dialogue because of the lack of any romance hook.
Speaking of romance, there were no (zero, nada) direct dialogue indications of such with either Disciple or Atton. It was all in cut scenes that didn't include the Exlie -- one of which with Bao-Dur and Atton was very humorous, a true highlight of my game (comic relief is important and all too lacking in most of K2). Kreia mentions Disciple's idealistic love in her visions of the future and answers a direct question about Atton's love with, "he's a fool and that's all the answer you'll ever need with him." (Paraphrase.)
So, in my LS female game, I found Bao-Dur to be the most interesting NPC. By far. He chatted quite a bit inside the ship with my PC. And he got what I consider the best cutscene, one that included the Exlie and dialogue interaction: the one where he tells off Mandalore in a most excellent fashion. I cheered.
KotOR 2 was a very good 2/3s of a game. A shame about the last third.