One thing to consider is the setting.
Oblivion takes place in a medieval fantasy world, while Mass Effect is a sci-fi game taking place in space.
Also Oblivion is very open ended so you have a lot to do, but it lacks a really good story. Mass Effect has a great story, which you can alter a little bit throughout by making some interesting choices. unfortunately, ME is not so open ended, and the side missions get boring. Oblivion's side missions are better than its main story line, like the thieve's guild quests and dark brotherhood quests which I found interesting.
I'd say... get both for 40$ and if you're like me, you won't need another game for half a year.
Edit: the DRM shouldn't be too much of a problem if you've got internet and a lot of hard drive space (for ME).
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