I haven't seen "Jack Reacher" or "The Last Stand", but both garnered pretty lukewarm reviews, and at first glance, seem like the typical uncreative blockbuster fare.
How many independent studio films have you seen? How about foreign films? I've always been a fan of Kurosawa flicks, but a lot of Western movies follow in his thematic footsteps. After watching Park Chan-wook's films ("Oldboy" being the most internationally famous), I started to realize how formulaic Western blockbuster films were and have generally stayed away from them.
That said, blockbuster films can still have a predictable end but still be very entertaining. The first three Indiana Jones movies are the best examples of that -- i.e. you know Indiana Jones is not going to die at the end, and yet each (literal) cliffhanger is shot and structured so well that you suspend disbelief.