Originally Posted by
Agent Z
/semi-rant
That Raimi's Peter was a total is hyperbolic. He was still able to maintain conversations with people and in the first film was bold enough to approach MJ to get her pictures for the yearbook. We also see him talking just fine with Betty, Gwen and Ursula, his landlord's daughter. And while he wasn't the motor mouth he was in the comics, that didn't mean he didn't make jokes ("here's your change", I'm the sheriff in these parts, Doc Ock: you're getting on my nerves Spider-Man: I have a knack for that). Raimi knows that there is a time and a place for jokes and a battle isn't always the right time and place.
And while we do see Peter depressed in the films it's for good reasons. First film, Uncle Ben's death and graduation where he remembers him. Second film, he starts to see how being Spider-Man is taking a toll on his personal life. He manages to strike a balance in the third film only to have Harry and the symbiote derail it all.
/rant ends.
Anyway, to answer the OP's question, no Peter isn't a total loser and I don't think any of the films really support that. I do think the comics have been stuck in that rut for a long time though that might be more to do with their ongoing nature.