At level 20 now. I don't have anything to add ontop of what was already said. How about something different, pros and cons perhaps?
+Gunplay sounds and feels great.
+The setting works well, and the echos placed around New York sell the epidemic.
+RPG rules within a realistic world; think Borderlands before Gearbox switched to cell shading.
+Forming co-op parties is super easy.
-Glitches abound; I've died due to being stuck in the environment too many times.
-Trolls abound; griefers have learned to stand in doorways to block access to resupplies and quest givers.
-Server issues, mostly a launch-day problem...no issues in this regard since.
-Player controls, in and out of cover, feels herky jerky.
-NPC A.I. is awful, often doing an awesome job of pushing you out of cover and blocking your line of sight.
As an rpg fan, The Division is scratching that loot'n'shoot itch that Borderlands did so well and where Destiny failed.
If you're accustomed to players dying in one shot to the head in your shooting game...The Division isn't for you.