I think its very subjective. Most people will praise the story for instance. They DO willingly pay a sub. The people who dislike the game dont really play anymore so they wont be responding.
Personally, I dislike the story. It never amounts to the quality of FF in my opinion. I enjoyed some of the class/job quests and hate all of the animations of cut scenes. They use the same emotes as us players, and its always so robotic and strange..
Especially that moment when something "good" and "heart warming" happens and your character looks at the npcs and smiles like they just saw a touching reunion on an episode Jerry Springer and the automated "awws" start echoing from the general direction of the crowd. I started skipping a lot of the less important stuff.
Dungeon queues are always awful unless you have friends or play a tank class.
For combat, well, it does get better for some people.. It depends on your preference. To me, end game combat feels like level 30 combat with more buttons to manage. The fights do get harder on a mechanical level. They remain scripted and you still do a lot of repetitive button pressing combat, but it gets more intricate with skills like the dragoon's "jumps" and the "Geirskogul" mechanics. (lancer lv 30 can become dragoon).
I would suggest you try playing "Palace of the Dead" and watch some end game "how-to-guides" to see if higher level gameplay of the roles speak to you. Most jobs play very different. Summoner is a poison mage and warriors build up a limit break to spend on special skills every so often, and dragoon and monk have timers to upkeep that boosts their damage. You may like one style more than the others.
To be honest, I only play because of my wife. XIV is like a 4/10 in a room full of 2s. Its one of the current best.. but...If something "hotter" comes along, I'll probably migrate. If you're like me then chances are, you'll probably feel the same way you do now when you get to end game. It does add some good things, but again subjective. So maybe look up some high level play and see if you like it.
Im stuck between 2 and 3 lol.