Personally, I play Destiny just for the gameplay and don’t care for the loot all too much. I wish light level and the grind associated with it was removed so I could just play GM Nightfalls whenever I want with whoever I want, instead of hoping my friends will grind enough that season to be able to play the content I enjoy with me.
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No other live service game comes close to the gameplay. If there was one with offline capabilities I’d be gone in a sec. Characters? Deleted. Money invested? Who cares. 🤣