As for the ratings: correct me if i'm wrong but wasn't VII released when (at the time) Squaresoft was doing badly? I thought they were close to going bankrupt and were saved because of the success of VII? I could totally wrong on this one but meh *shrugs*
I could be wrong but I don't think so. Squaresoft were doing really badly before FF1. Hence the name 'final fantasy' because they pretty much thought it would be the last game they'd make, because they were nearly dead. So I think it's FF1 you're thinking of, not VII.
 I use Cloud, Tifa, and Cid as my main party too! They are great characters but they're overpowered at around level 30 because with the diamond knuckle, Tifa hits around 3500 points of damage (if you manage to land all her beat rush, summersault, and water kick limits). Cid's pretty boss too because if you do the Wutai subquest right after getting the Tiny Bronco you can get his Dragoon Lance in the Wutai Mountains right after you get Cid, which is pretty OP at the timing.