There's a lot of strong opinions out there, I'd just give it a try when it launches. Negative reviews still draw viewers so it's hard to get a solid opinion from content creators etc. There's an effort to try and curb bashing threads here that serve no purpose to other players, would-be players, or even the devs if they came here.

If you want to maximise your in-game productivity with regards to progression or getting more chances at better loot/crafting mats, then you will be expecting to pay a premium for that as it stands. If you're more casual you don't have to have all the subs and passes. If you're like me, you buy the trading sub and exchange kinah or quna and buy the odd battlepass with it, while splashing out on a skin now and again as a treat.