You were only slightly more generous to it than I was. I give it a 2.1 for pretty much the same reasons you do, though I go more into detail concerning the subtle ticks and shitballs that is the combat system...almost all of which could have been remedied - or at least alleviated - by NOT making it so that if your main character died, you get a game over. Seriously, I do not understand, for the life of me, how a game with something like an 85 million dollar budget like this could spend years in development, have literally hundreds of people involved in its creation, and not one person thought, "hey, maybe this gameplay mechanic is shit, let's take 5 minutes and fix that!"
Seriously, If your partners have a Phoenix down, I like to think they're not retarded. if you absolutely MUST have full control of only one character, at least make the others know to use a fuckin phoenix down.
My Console Library:
PS5, Switch, XSX
PS4, PS3, PS2, PS1, WiiU, Wii, GCN, N64 SNES, XBO, 360
3DS, DS, GBA, Vita, PSP, Android