In my experience, the game is definitely worth the money and possibly then some. If you find the Dark Zone hard, you'll probably find a more fitting challenge in your nearest daycare center.
The Dark Zone is where everything interesting happens because it tests your ability to pick fights, and what you do when you pick them. Countless times when a group of players are getting ready to drop things off at a heli zone, I've noticed people surveying from high points- that's when you get the forget out of there or get ready to ambush because they're getting ready to get some easy food.
The rogue system is beautiful as it creates a universal buddy system in a way, more times I've seen it people that go rogue are absolutely destroyed as at least 20 other players come out of nowhere from every direction. My only problem with it is when someone runs into your bullets or grenades, which isn't a biggy.
My best moment is probably with my friend, there was a group of 5 rogues versus us and we took them down one by one by focusing our fire on a single one, hiding and healing, then going to another target. Since reviving is a thing, this stopped that from happening. There was also another point where these two guys were coming after us, and my friend started to shoot one of them. The other directly began ambushing him, so I shot at the guy ambushing. Both rogue's were downed at the same time, teamwork at it's best.
The haul we got afterwards was amazing, as well. We play the vigilante type, we protect other players and we usually survey heli zones and intervene when someone makes noise. It's a really fun job and I honestly believe the game plays it well.
tl;dr, game is good but you probably will need some friends.
