There are plenty of things to criticize that have brought the game down in a lot of people's eyes-- just read this thread. Even things related to the characters and story. But all that white male persecution nonsense is complete bullshit and should be ignored.
To that end, the userscore is a pretty inaccurate reflection of the game's quality, but 'pretty damn good' isn't exactly where it's at either. Of course, there are a lot of folks who do feel that way, but on average this one seems to be the least well regarded entry in the series (minus the VR game) for reasons beyond what those MAGA asshats are crapping out of their mouths.