No way Ratchet & Clank is top 5 for the generation. It's an awesome game, but not top 10 by any stretch, much less top 5. I'd rank my top 10 this gen as:
1. Bloodborne
2. NieR Automata
3. Persona 5
4. Dying Light
5. The Witcher 3
6. Horizon Zero Dawn
7. Super Mario Odyssey
8. Fallout 4
9. Rise of the Tomb Raider
10. Uncharted 4