Yes I'd agree with that, but you said that Fury and Widow had the biggest character arcs. Steve was the central character, and his arc dealt with dealing with who he was and what he is meant to do in this new world. This is something that all of the phase 3 films have dealt with the central character of the film.
The neat thing to me is that character arc is the natural progression from what those characters had to overcome in Avengers. And phase 3 has left us in a totally new position going into Age of Ultron.
It's one of the benefits of the shared universe the MCU has going, in my opinion.
With The Dark Knight being in a sole continuity trilogy on the other hand; let them approach a narrative that would have been hard to do otherwise; the retirement phase of the character. And the ending of the movie where Bruce gets to do something other than be Batman indefinitely.
I don't feel Steve had much of a character arc despite questioning his role in the world. He basically started the film with a suspicious mindset and that mindset persisted throughout until he found out about Hydra. It would've been more of an arc if he were unquestionably loyal to Shield THEN started becoming suspicious.
Bruce, on the other hand, went from being the hero of Gotham to being the villain. That's quite the character arc.
Rogers can't start off the movie unquestionably loyal because he's had reason to feel suspect since Avengers. I think it is more about will or won't he chose to adapt to Fury's... the 21st Centuries, way of thinking.
Wayne chooses to be percepted as a villain because he's the hero, trumping everything his villains tried to do. Yeah, it's pretty kick ass.
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