Ouch, you saw Saga and didn't buy it, I feel your pain. I had a choice at a Toys R Us to buy either Saga or Rebel Assault 2 for the PSX. I paid $50 for a game I could have gotten now for $3, and gotten a game that's worth twice what I paid. Oh well, live and learn.
The problem with the "best" Saturn games is that most of the supposed best are rere. Here are some non-rare games that are good.
Nights: Fun game
Christmas Nights: It was free in magazines, but now can run you a few bucks. But, the Christmas bonuses make it worthwhile.
Panzer Dragoon I and II. II is the better game by far, but the first one, though graphically iffy, is still fun, and the music is unbelievalble.
Mr. Bones: This is a very unusual game, but its fun. It just has a feeling and a musical quirkiness that you don't get in many games. A love it or hate it game, but I love it.