I'm confused, I thought Marie / Gary Sue was when the character was perfect, good in everything, good looking, popular etc. which Bella is not.
Also, although I agree with you, I think I heard an interview with Stephanie where she was saying she loved to write about Bella because they were such opposite characters, and that she took almost nothing from her own experience.
And if anyone is comparing it to JK... 
According to Wikipedia I guess we're both right, lol. The self-insertion part. But the article starts off with just about what you were describing. 
There was also a comparison of Bella's description and a picture of Stephenie Meyer but I can't find it.
Not to mention... it's corrupting our youth!!11!11!!!1!1!shiftone!!111!!!!
Interesting, I never knew that!

Well, maybe look-wise, but I think she meant character-wise.
hahaha
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Bella is perfect, though. Being clumsy is not that big of a flaw. She comes into town and everyone instantly falls in love with her. Oh, please.

And I don't see the appeal of Edward either, lol... he's creepy, stalkerish, violent and obsessive.
The rest of the series? I've not heard good things about it. I won't spoil it for anyone, but it deals with major issues that made teens apparently now more accepting about O_O not really things to write about for preteens either....