I too wish for a game like this but apparently it's impossible to do it, either due to lack of vision, budget or expertise (or all of the above). Starfield sounded perfect on paper and it was a good studio to attempt it but in the end it was just a bland, soulless, boring mess of a game.
As for my suggestions, I just got smaller games, not larger ,and in that vein honestly: FTL. It's a 2d sprite roguelike and yet it's the best game at giving me the feeling of being a scrappy starship captain on the run, trying to scrounge together resources in order to complete my trip despite overwhelming odds.
The second closest game is Starbound but your mileage will vary, it feels unfinished and there is no real story to speak off, although the ship you continually improve and build in over time as you explore the universe does start to feel cozy and homely. It is also basically a worse Terraria in space so if you don't like gameplay like that, skip.
If you like Mass Effect you ought to try KOTOR1 and 2, oldies but goldies, but they do have the same weaknesses you already outlined for ME, it's very much a set story.