Watching from the outside as a non-indy-dev (yet... let me win the lottery first...
)... what gives you the biggest rush when building your game, and conversely what feels like a "drag"?
I know when I'm devving, the idea of solving new problems is what excites me. Where I struggle is when I'm solving an "already solved" problem - I don't get excited by the idea of building a menu, a mouse cursor, a parallax scroll, and so on... because I know "it's been done before". I guess that's the benefit of using Unity, Game Maker Studio and so on? It accelerates the development of the "already solved" problems and lets you focus on the game?
Conversely I remember 100 years ago writing a dead simple Arkanoid clone in XNA studio (called Artanoid... you had to break down the blocks that made up a picture... the level was dark and the ball was a light source, the blocks were bump mapped, blah blah) - and the rush of hitting F5 on my laptop and seeing the game appear on my 360 was immense, so cool
TL;DR: Do you really have to be a "completer, finisher" type to be an indy game dev