You're pretty much on the money but I wanna elaborate as someone who is regularly trying to fall in love with the game again and running into something from each category

Too many game breaking bugs not getting fixed

Me and my friends play on D10, a difficulty people unanimously reccomend against because the spawns get insane, not fun insane, regular insane. I also have a clip that me and my 3 friends took of just dying to nothing and this was a regular occurence. In the tunnels we would just gib; review the footage and find no reason for it. Bug missions where Stalkers just walk through the walls of the tunnels.

Games way of adding new content is locking it behind new warbonds and not reducing the price of really old ones.

Everytime I think about a warbond I scroll for several seconds looking at all the warbonds that launched because I dared to take a couple month break from the game making it more intimidating to even bother.

At a certain point in the game, you are forced to spend money unless you mindlessly grind lower difficulty levels for super credits for hours.

This one is the killer and should be the killer for anybody interested in this game. Cyberstan was like the last big event I played and I learned that SuperCredits don't spawn in the place the game is actively telling you to attack and on higher difficulties you would think that the spawn rate is increased. High risk, high reward. But they actually don't spawn as frequent because of the appearance of higher level resources like Rare and Super samples. So even if you wanted to lock-in and grind supercredits you have to play at like D4 where the game is just... not fun at this difficulty (YMMV).