I'm playing Deadly Premonitions right now, it's a low budget horror game, but it's very charming. Imagine a mix of silent hill and shenmue with a really weird sense of humor. All the characters are really cool and your main character, FBI special agent francis york morgan (but you can just call him york) is a joy to listen to.
Here's a cutscene that captures the spirit of the game pretty well:
http://www.youtube.com/watch?v=IUO0uuk5-QY
This may be my GOTY really, and it's only 20 bucks if you're interested!
Also the music is really good
http://www.youtube.com/watch?v=rzvXBFwcyek