Actually Neo-Exdeath was a pretty stellar final boss. Easy if you knew what your were doing, but a total dick if you didn't. The fact he's designed to screw over players who felt they could just use the broken Duel-Wield/Rapidfire/Flare trick for an easy one round victory was gold and something I feel more final bosses should do. Kind of reminds me of the Philemon boss battle in Persona 2:EP where he will counter the most game breaking Fusion Attack with his own version.

I generally prefer a little more challenge with my final bosses, which is why I've been pleasantly surprised by SaGa since it delivers on that promise. Granted, I feel the games could do a better job of preparing you for said challenge. The Egg and the Seven Heroes were awesome boss battles that really tested all my skills and made me appreciate the game mechanics better.

I still feel one of my favorite "oh crap" moments in a game was in Persona 3, when Yukari got confused by the final boss, and then healed them back to full health halfway through the fight.I know most people hate that, but I thought it was brilliant design.