OK all I have to say is this, and I've noticed this. Anyone who has anything bad to say about the game, having finished it already....you're finishing a game that has multiple side missions and quests that effect the ending of the game. Not only that but your previous decisions in both previous games come back to help/haunt you.
If you just blasted through the game, as most people have and talk shit about it, when the game provides 50+ hours of mission gameplay, of course the ending isn't going to be what you expect. Go back, build a new character from game one, make some truly important decisions and then play through everything in number 3 and I mean EVERYTHING. There is no way anyone can blast through this game in two days and have done anything and claim they have any form of a life.
I don't know about Naz, if he played through a good chunk of it all or if he blasted through it, nor do I care to know how it ended yet as I'm not there, I just got off Tuchunka myself.
I've read a lot of reviews saying this game gives an "illusion" of decision and repercussions, but I'm amazed at how much your decisions can effect scene outcomes so far.
My two cents.