TLDR: Massive doesn't seem to know how to run a loot-based game, people are exploiting the shit out of everything, and the newest update is trying to slow everybody's progression down to developer expectations.

People are exploiting the shit out of The Division and Massive has set Priority One to hampering exploiters, which in turn is causing legitimate players to fall further behind.

Mission rewards are garbage (conspiracy theory is to force us into their "endgame" PvPvE area because rewards actually exist in there), but on the update launch we were getting 4 top-tier drops on killing Challenge Mission bosses. Hotfixed within 12 hours so they only drop 1 now. Meanwhile some gear talents are so broken that players are invincible and/or one-shotting everyone else.

Dark Zone (PvEvP and apparently what they want our endgame to be) is a total gankfest. Solo and under-geared players are having a difficult time securing decent gear because they're being jumped by groups. Your best shot at getting decent gear now is to fight your server over 4 locations that respawn on a timer.

Dark Zone Supply Drop event rewards are absolute garbage with an RNG on RNG on RNG chance of getting something decent.

Crafting expenses were drastically increased while currency and material gains were nerfed to shit.

Their "Incursion" is a buggy disappointment, nearly instantly exploited and plagued by my next point:

Now all your gear gets inaccurately calculated into your public "Gear Score" and people are being kicked out of content matchmaking because of it. Dark Zone for endgame players was split into 2 Gear Score tiers that factory your entire inventory, but the upper one starts entirely too low and the lower one can be exploited by better-geared players by equipping a low-level sidearm to drop your Gear Score.

Some Xbox One characters were completely wiped. This has been addressed so we'll see.

Weapons are still woefully unbalanced, endgame is almost entirely SMG's and Marksman Rifles (mostly Vector and M1A).