1) Basically identical. Chosen-one-fights-god.
2) So generic-fantasy.
It seems to be taking a 'badly-run-D&D' or 'The Worst of Wheel of Time' sort of ridiculously flavorless stuff, so much that if you know anything about mainstream straight-to-softback fantasy you can write the main story as soon as you hear the blurb.
Let's look at some major classical literary fantasy protagonists:
Conan - morally ambiguous and clever barbarian largely. Interest in 'questing' = Zero. Interest in having fun, getting rich and kicking heads in = 11. Is not a 'chosen one', has several dramatic related stories and intense arcs but he's not 'prepping up to fight gawd'.
Elric - Emperor turned pirate. No interest in questing, pretty much every goal he follows is either his own (as an attempt to escape his obligations) or is forced upon him. IS a chosen-one, but not a 'good guy' at all; more of a meat-cleaver for destiny.
Cugel the Clever (Jack Vance's Tales of a Dying Earth) - an idiot savant of adventuring, this guy has brains, speed, a bit of brawn and is utterly lacking in the sort of literary-self-awareness that seems to grant generic-fantasy protagonists their mindless dedication. More interesting than his personality/RP variances, though, are the fact that his adventures are basically ALL side-quests. He's not going anywhere in particular, there is no clear connexion between his adventures yet they segue well. Adventures range from dredging interdimensional wyrm scales out of the mud to being trapped by a wizard to meeting a god and running like Hell from it.
This is just a random smattering of examples. The point is, why does the quest have to be 'everyone knows you're the chosen one (even though no one seems to pay attention to this fact and still treats you like a punk) and you are more or less led by the chain to go and fight 'teh great evil'. Why can't the main storyline be something more, you know, sensical? Like, how about this: the main boss doesn't like you. Personally. Maybe you screwed him over (or he thinks you did - the truth could be decided by karma!) And what is his power? Is he a demigod? An ancient evil? No, he's rich. And people care a lot more about how much gold you have than how much you can bench. Perhaps you can even get the guy to split the country with you at the end?
See how easy that was? To make up a story that wasn't so dang cookie-cutter?
And those folks at Bethesda should know this - the in-game lore is chock-full of stuff that doesn't sound like it was written by Margaret Weiss' slightly [censored] clone. TES has a lot of great background, and games like Morrowind made a huge effort and displaying different factions, personal allegiances, etc. So why does the main story always have to be 'some random sod is apparently Jesus and has to fight the devil'. Why does every game have to be an apocalypse? Why does everything have to be a prophecy? Why not let the player decide his destiny?
This is my rant for the day. I'm going to go play Skyrim now. And NOT beat the main quest.