Well, I haven't played much of The Division yet, and before I get lectured on the cost, I got the PC version with my new GTX 980 free. I've played it a little, haven't tried online yet though. I do say so far it's been kind of easy. AI needs work, at least at this point in the game, I don't need to even go out into danger to win against most of the enemies. Blind firing, especially when they get close, is sort of a free win for me.
EDIT: Keep in mind I'm VERY VERY early on right now, I'll post again when I get further on!