With Fallout 76 (and the rest of the previous games) there have always been issues and players are quick to judge early on. Even after extensive beta testing, faults are still found when it goes to release but Bethesda do fix these and improve the game, their ongoing commitment to bringing new content is second to none, and as for me, I played the game for 10 months straight, although it took them a couple of months to smooth out the kinks. I would certainly think it is a game worthy of playing.
As for the costs, it is getting expensive, I rarely buy more than 2 games a year if that, and I get plenty of games free through the Xbox Ultimate Pass, which equates to the cost of 1 game a year.