No Development? In Spider-Man 1, he goes from being someone who only wanted Mary Jane to someone who has the maturity to say no to everything he wanted because it was the responsible thing to do after he witness what could happen if his enemies ever finds out about his secret identity. Spider-Man 2 was about him learning to sacrifice his happiness to protect the city and to fully embrace being Spider-Man no matter how hard his life is. Spider-Man 3, he develops an ego and alot of pride when things finally start going good for him.
No Backbone? He stood up for himself when Jameson was willing to give a new employee (Eddie Brock) a staff job after one Spider-Man photo, he basically told an officer to fukk off when the officer wanted him to move the car (he took from the criminals) away from the theater. Not sure where this no backbone complaint comes from. Unless you're talking about scenes such as Harry slapping him at the party which still doesn't make sense considering we all know what Peter is capable of.
Mary Jane being angry at him in Spider-Man 2 was his OWN doing. That doesn't make him a coward either.
Sense of Humor? He quips when the time calls for it. Doesn't help that a majority of the action scenes in Maguire's films are tense moments where someone's life is at risk which is when Spider-Man usually gets serious. Spider-Man is not supposed to quip and play around with bad guys while they are putting civilians lives at risk like Garfield does in the beginning of TASM2. Tom Holland's Spider-Man quips even less with his villains than Maguire does (and Vulture and Mysterio are villains Spider-Man always bantered with).
You bring up Revenge of the Nerds regarding Tobey but that basketball scene in TASM1 with Flash was more Revenge of the Nerds than anything Maguire did.
No development as in playing the character the same way through three movies. There’s no difference between his Peter at the end of Spider-Man 1 and Spider-Man 2. And barely in three. he plays him as a constant 16 year old who never grows out of being doe eyed and quiet. Speaking up every now and then isn’t how Peter roles. Once he gets bitten and becomes Spider-Man, he gains more confidence. He talks more. He stands up to Jameson more rather than sounding scared just to ask for a raise. He gives as good as he gets all the time. Whether in costume or out of costume.
Spider-Man DOES quip when bad guys are putting peoples lives in danger. I just read the latest issue of Spider-Man and he’s still cracking jokes. It’s his way to distract and keep the enemy distracted and save lives. It’s his other super power. “Here’s your change” isn’t registering with me on that. Spider-Man’s gift is his sense of humor. To ignore that or use it sparingly when he’s a chatterbox who doesn’t shut up is weird. Whether it’s his life on the line or a train full of people, talking is his thing. It’s a defense mechanism too specifically for those tense moments you speak of