I understand what you're saying my friend, but those qualities you describe in McClellan are moral cowardice. Looking at someone at the other end of the spectrum we see a general like Ambrose Burnside. Burnside lacked McClellan's tactical, and organizational skills, but he had moral courage. When in command he accepted responsibility for his actions. He's remembered as a bad general because of what happened at Fredericksburg, which is a little unfair. His was perhaps a case of the Peter Principle. His plan to take the direct route through Fredericksburg might have worked if the pontoons had been ready on time, and some diversions had been made upriver to keep Lee guessing about his true intentions.
When put in command Burnside chose to act. He formed a plan and carried it through. He understood the limitations of time, so he needed to attack before the mud season set in, unlike McClellan who never had any sense of urgency. After the disaster at Fredericksburg Burnside didn't go marching back to his winter camps around Washington, but instead set off to attack again. That ended in the humiliation of the Mud March, but other than Grant he was the only commander of the Army of the Potomac who after being checked decided to attack again. Burnside never put the blame for those serious setbacks on his subordinates because he knew it was all on him. That's what a commander does.
When Joe Hooker was in command it was a different story. Hooker had better tactical skills than Burnside, and had a good plan of operations, but when the moment came to act, he faltered. He pulled back and decided to fight a defensive battle, surrendering the initiative to Lee. Then when incapacitated he refused to relinquish command. After suffering a tactical defeat involving 1 Corps, he ordered a retreat back over the Fords of the Rappahannock. As he said himself, "I lost faith in Joe Hooker."
In addition to his other moral problems Hooker was a back bitter, who had worked to undermine Burnside, and advance his own cause. In his letter placing him in command Lincoln told Hooker he knew he wasn't a moral man, but he thought an immoral man might still be a skillful general. During the march to Gettysburg Lincoln was convinced Hooker couldn't be in command in the next battle, and fortunately the pugnacious Meade replaced him.
It's painful to imagine McClellan in command at Gettysburg. All he'd be doing was make plans to retreat to stronger defensive positions, while shooting off wires to the War Department about how he was saving the Army of the Potomac from destruction against overwhelming odds. In the end like Hooker McClellan lacked the self-confidence to try to win a battle, all he was interested in was not losing one. To not win might be alibied away, but the disgrace of losing a battle would be too damaging to his ego, and harder to make excuses for.
Leaders in all walks of life face the possibility of failure but need the self-confidence to overcome their doubts and move ahead. A general has to have faith in themselves, and their army in order to win. Courage isn't the absence of fear, it's the ability to overcome your fear and do brave things. That's why courage, covered in the broader virtue called fortitude is always one of the major virtues of mankind.