The latter is much more....alien? Evil?
Granted, but alien is also unrelatable, and the best villains—including the ones listed in the OP—are the ones who kind of have a point and win the player over with their reasoning. Benny from Fallout: New Vegas isn't going to land on any "best villain ever" lists for a reason. Any idiot can want something. Most idiots do.
My ideal 2077 villain would be someone who starts out as a friend, working toward the same goals, and slowly becomes more reckless in their methods until they put V and a whole bunch of other characters in jeopardy. Then you have to choose whether to risk sacrificing a bunch of people you've spent the game growing attached to in the pursuit of your goals or put a bullet in just the one friend, arguably making
you the villain for wanting to keep some cool people alive. It takes a special baddie to make you stop and think about where the ends stop justifying the means, and that's way more interesting to me than "yay money."