I was in your shoes just today lol. I've got about 50h of gametime and bought a platinum pack because I heard 75% off is fairly rare. I don't really feel bad about it - even if I stop playing today, it was well worth it.

The monetization doesn't feel too aggressive, it seems fairly balanced, but it does have some annoyances. Not sure how similar mmos behave, but the amount of weeklies, dailies, battle passes, layers upon layers of complexity and currencies, and other mild fomo does get old. I suppose servers need to be kept up, and they've been successful at the pay-for-convenience model for the past 13 years, so they must be doing something right.

Luckily the gameplay and the overall loop is fun, the pve is pretty good and the community seems to be one of the better ones.

You might feel better if you'd take off the completionist glasses. The amount of grinding and farming to get everything without paying is indeed annoying but again, it's a 13yo game, the backlog adds up.