★★☆☆☆
(Tested on a free weekend.)
The Division is an ARPG (like Diablo), but with faux-cover-shooter-combat, moreso than an actual multiplayer open world shooter. Stats matter infinitely more than skill. Worth maybe $15, if you can get it on sale, the $90 asking price is nonsense.

Its not an MMO, other players don't exist in the world unless they're in your instanced party of 4. Its not a DayZ style loot to live. Its not an open world sandbox like GTA, you can't steal cars, you can't interact with anything, you can't blow stuff up, you can't have fun, you simply take cover and shoot NPCs. If this game offered a party of NPCs (optionally replaced by players), it could be something more like Mass Effect, and maybe even be fun that way, but with only random players instead, there's no way to properly organize things or progress.

Pro/Con Feature List:
+ Throw gadgets
+ Minor snow buildup on characters

+- Can vault, can't jump
+- Decent graphics, poor performance
+- The homebase upgrade system is a weird counterpart to leveling
+- Aside from one mission/map, the Christmas time/setting doesn't come across at all
+- Ultra graphics aren't actually the max settings (pet peeve), but at least there are presets
+- Characters can be customized, but there are only a handful of options, limited to the head, and none are especially appealing.
+- The in-world GPS-line is effective, but would probably make more sense on the ground, instead of floating in the sky.
+- Moving between cover works well, from almost any distance, even over obstacles, but getting into cover is iffy, and moving around corners is annoying, plus you don't auto-duck into cover when reloading, and reloading cancels your ADS and doesn't auto-resume it.
+- The Dark Zone, while much more entertaining than normal modes, still suffers most of the same problems, and is ridiculously unbalanced, and the Rogue system is the most flawed PvP system ever created.

- Stealth isn't a thing
- Echoes are... weird
- Collision with friendlies
- Lots of loading screens
- uPlay instead of Steam
- Level/Stat based combat
- Enemies spawn all over you
- Cooldowns aren't conveyed effectively
- Microtransactions, in a full priced game
- Extra button press needed after aiming to ADS
- Practically zero enemy variety, even on bosses
- Godawful health, down, death, and respawn systems
- Not as good as the trailers, as with all Ubisoft games
- IRL footage used in intro cutscene, cringeworthy and lazy.
- Holding keys to interact with things, instead of just working.
- Melee enemies completely break an already bad combat system
- Many things look like you can take cover behind them, but then you can't
- Inventory/menu systems are quite clunky, and clearly designed for controllers
- The city is completely pointless. Not a single part of it is interactive in any way.
- Equipment all looks practically identical, at best offering a minor change in color.
- Story is thin, poorly written, and unlikeable. Not sure if its based on a Tom Clancy novel or what
- Most graphic settings will cause the entire game to crash when changed, even if you do so from the titlescreen.
- You can build guard towers, labs, water purifiers, and other such things, but its all just meta text models, and all it really does it unlock skills.
- You can kill non-hostile dogs. I mean, not normally something worth pointing out, but why can I kill dogs but not civilians?
- Movement on top of objects (cars, crates, etc) is janky, as it tries to allow free movement, while also half preventing you from falling off, at the same time
- Turret placement is derpy, half the time ending up behind cover, where it can't target enemies
- Voice chat is on by default, leading to people broadcasting 24/7 static, or their TV, or echoes of ingame dialogue.
- Only being able to equip 2 skills is too limiting, because groups are made up of randoms, instead of coordinated parties with optimized skill variety.
- The controls for climbing and cover are backwards, you can customize them, but theres alot of overlap.
- The floating HUD doesn't work well, often appearing in different places, when you need to quickly glance at your HP or such.
- Having to snipe someone in the face 5+ times before they die is so very unsatisfying, especially when your gun doesn't have 100% accuracy, and the enemies can kill you 10x faster than that in return.
- Matchmaking is awful (though quick), it puts you into the middle of story missions, nowhere near your party, so you have to run all the way to them from the mission start. After a mission, the group generally just wanders around lost, doing nothing, forcing you to manually leave it and find a new one. It also puts you into missions that don't give rewards.
- Accuracy is so low, and damage taken is so high, that its often better to just blindfire from cover. This makes your skill/inputs feel irrelevant, as you spray at bulletsponges.
- Awful looting system, find beams of light, some auto collect as you walk over, some can't even be picked up, others need a button press. Just skip all that and put the items directly into my bag, thanks.
- Bad multiplayer. You can't normally see other players. You can create a party with up to 4 of them, but they can be off in some random part of the city doing nothing.
- Weapon viability isn't even remotely balanced. If enemies get close to you, you're dead, so shotguns are out, and they don't even do high damage at close range, they just do crap damage at long range.
- Enemies are mindless bullet sponges. Shooting NPCs don't feel impactful. There is no gameplay variety whatsoever. Follow objective markers down hallways, clunkily hide behind cover, shoot bullet sponges, repeat. That might not be so bad, if the combat was even remotely fun, but it isn't.