I've been with Payday 2 for a while, with plenty of changes.
Its kinda like warframe, tbh. You farm and you get cool shit "Now I get to get cool shit", but all you ever do is just farm way more, in the most effective (not-cool) way. Sure you can take it easy, pick a cool skillset (not effective) and a lower difficulity (not effective) and just have some fun, but from a progression standpoint, its a waste of time.
(It's great if you have several friends that share your approch however)
It kinda used to be very "Oh I got the saw skill" -> Awesome mate "Hey your Mastermind, take care of the hostages" and it felt a little like a "real" bank-robbery and was kinda fun. Nowadays I only really notice teammates when they fuck up, not for there postives. Its filled with people that like grinding and there is a lot to grind for, but the way you have to grind (either stealth-cheese or dodge-change-build-cheese) is not to my taste. I like shoting cops (hi watchlist), but that gameplay is not really supported (effective) at higher Levels, as a guy with max possible armor in the game can only last like 0.5 sec longer under fire - while moving way slower and not having any "dodge shots" chance.
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Imagine Rainbow Six Siege (Engine) with the Background systems of Payday 2 (a bit toned down), throw out bad stealth (switch it for "cover based stealth" or "loud stealth, like MGS" or "debuff-spam-stealth"), so loud and "stealthy" players can share a game and allow several very different playstyles, like a nader that just ignores doors, a lil guy that builds his sniper-hideout, melee-dude... ~sigh~