Problem is, there is no way to compare creativity between the founders of 2 different genres. Is Tolkien more creative than Allan Poe? That would be a very pretentious question.

I am not sure why the grand OP claim that Jin Yong's work are retelling of history. It uses history as its background, but one of his most important contributions is to create Jiang Hu(江湖), a society that is beyond the realm of moral governmental, that is Chao Ting(朝廷), which usually represents the account of history.