Your second-to-last paragraph sums up your problem with PN. You can't stand Garret's character because he's a reluctant protag. That's fair enough, but it doesn't make PN a mediocre VN.
The MC makes it clear from the beginning that he doesn't want to be there, but feels he has to for his mom. He really, really hates confrontations but also wants to do the right thing. He's constantly conflicted and isn't enthusiastic about any of the choices he makes up to this point.
As you noted, the one exception is when he can fall back into his professional identity during the electrical crisis. Then he's calmly assertive and decisive.
Garret is a really well-written reluctant protag, and I enjoy tagging along with him and trying to figure him out, at most nudging the reluctant wolf one way or another. I understand not being able to stand this sort of character, but that doesn't make the VN mediocre.