I played it to completion. The first three quarters of the game were fine, but I thought the last quarter of the game was awful. Slight spoilers ahead :
You get exposed to an hallucinogen, which caused wild animals to randomly spawn right next to you and start attacking you. Even though they were just in your head, they still did damage to you, so you had to deal with them, which was unbelievably annoying. They forced me to abandon my preferred stealthy playstyle and just complete every mission using a helicopter gunship.
The monetization isn’t as bad as more recent Ubisoft games. They let you buy weapons / vehicles for real money instead of in-game money. I didn’t find the game overly grindy and was able to buy everything I needed with just the in-game money.