You just described “post-2010 action games” in general. Like, that describes Control. Or Dark Souls itself. Or various Far Crys. Or Assassins Creeds.
And comparing the loot drops to Borderlands is utterly risible. They’re more similar to pretty much every other game (certainly to all the ones I’ve listed). This isn’t even an opinion, it’s demonstrable. Borderlands uses a Diablo-style loot system which is a huge point of differentiation (the most recent AC does too I note).
Which is completely dissimilar to Borderlands, where you have neat little class-trees and special abilities and so on. Remnant much more similar to Dark Souls, in that you pick attributes to boost. The main difference from both, and it’s a significant one, is that the traits themselves have to be collected. It’s certainly not a similar system to Borderlands by any means.
ME3 has significantly similar second-to-second gameplay - it’s the same perspective (over-the-shoulder third-person), the pace is very similar, you really need to keep away from melee enemies and watch out for flankers and so on (neither is a real risk in Borderlands, certainly Borderlands 1/2), mid-tough enemies can kill you in seconds if you fail to respond to them (true in ME3, not in Borderlands), you need to take risks to get ammo in a lot of fights, and the amount of ammo you have for weapons is quite similar to ME3 (as indeed is the “shared ammo” system). In multiplayer, your team-mates can revive you. The types and abilities of enemies are in a sort of in-between Dark Souls and ME3, and completely dissimilar to Borderlands.
Worth noting Dark Souls also lets you “keep all the loot you picked up before you died”, so that’s a weird objection. You just lose the souls, which as I’ve said, are mostly just time.