Unfortunately this kinda falls flat because all the characters in Obscure are annoying highschool dickbags.
Quoted for truth.
I'm personally not a fan of characters which you best described as teenage dickbags.
I think many horror games have unique settings of their own, which makes it difficult to compare creativity. Silent Hill included.
The uniqueness of the SH series is that instead of taking place in the dreaded real world, the setting is different for every person who experiences it.
Silent Hill's Otherworld is a different place for every character it is projected from. It reminds me of Inception.
It's the exploration of someone's subconscious come alive; with elements of the world reflecting/corresponding to elements of the character's history, fears, etc.
I'm not actually sure if that's true, but that's how I see it.
Also, how this differs from survival horror in the style of Resident Evil is that it scares the player in ways beyond lobbing freaky shit and shockingly loud sounds at their faces. Silend Hill series slowly tortures the mind, introducing and welcoming the player into the unpredictable world of fear they are about to experience. The fear factor's mostly in the horror environment, and the feeling of being alone in it.
Also, the enemies/monsters that inhabit the Otherworld have this unique soul-less, formless creepiness beyond my words. Even zombies feel more human.
And these reason you give are why this franchise is probably my most loved games franchise of all-time. Nothing else like it. haha