To be fair, your post was filled with inarguable claims, either because they're subjective, or because they're unfalsifiable. Like "I don't get why it's just instantly assumed to be number one" (who says it's "assumed"? It seems to be legitimately chosen), or "Members of AFI who dissent are probably just chewed out as trolls" (do we really have reason to think they are?). And really, there's not much discussion to be had when someone calls a classic "overrated."
It's fine, of course, there just isn't always a whole lot to say to those kinds of things. And to be fairer still, you were kind of deliberately trollish at first, so it wouldn't surprise me if a number of members just sort of wrote you off right away. That'd be a pity, but it wouldn't be surprising.
But since you want discussion, I'll certainly give you some on Schindler's List:
This is one those complaints that I feel is thoughtful, articulate, interesting, yet still wrong.
Your description of Schindler's greatness seems perfectly consistent with what I saw on screen; we see him at the parties, we see him swept up in the zeitgeist, we see the opulence he receives in exchange for his soul. We get lots of little touches, like people noting that his suit is made of silk, and asking him where he got it. In the tradition of "show, don't tell," we see all this, and are not merely told it. What really needs to be said? Should be monologue about his inner struggles? I think merely showing us his extreme level of comfort and success does the job better.
He's not exactly a "Jew-saving machine," either. If he were, there'd be little to necessitate his legendary self-flagellating speech on the train tracks, where he realizes how little he actually did compared to what he could have done.
As for "THE MOMENT," I think this is both a necessary narrative device, but also something true to reality: even if there is never a single moment where we go from good to bad, and even though every decision is inevitably the culmination of millions of thoughts beforehand, there is still a moment when we make up our minds to do something. And, this being a movie, that moment is a logical pivot point to focus on.
As for "you see something and you're different" -- I feel like we must have been watching different films. The majority of the runtime sees Schindler encountering one atrocity after another and showing varying levels of sympathy. He clearly doesn't love what's going on, and he goes from general indifference, to distaste, to horror, to action. He's not completely carefree up until that moment; we see him clearly uncomfortable many times before that.