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I dont see a reason why a game should be bashed for it's microtransactions. The games ND makes are amazing and they release at normal retail price. I played tlou multiplayer quite a lot and I faired quite well without giving a cent via microtransactions. The pay2win argument is complete bs because the weapons you buy arent better than the ones you unlock for free. I also have no probleb with the cosmetic upgrades. If someone plays like 100+ hours on multiplayer they might want to spend 1$ to make their player look "cooler".
Having a lot of available microtransactions is like going to a store, if I see 100 shoes on display doesn't mean I have to buy them all, I just have a larger collection from which i can choose.
As for the UC3 multiplayer, I havent played it a lot so I dont have an opinion.
Just play the games and enjoy them noone is forcing you to buy anything and stop blaming "microtransactions" for your lack of skill in multiplayer. Chances are that the guy who has the outfit has been playing a lot more hours than you and is just better at it.