I've never been bothered by the loan at all other than struggling with it the first time I played this. Theres several different ways that you can easily pay it off in its full entirety almost no matter which play style you choose. The only one I haven't been able to make profitable enough to fully pay off the loan is going full combat and combat only. You get SO little money from excursions that you have to entirely rely on chests and captives to struggle through. Yes I know the game wasn't really 'meant' to be played in this way, and you aren't even supposed to pay off the debt fully. However I like that added challenge, too many games with sexual content completely neglect the gameplay aspect since its not the focus, but I like a game that can balance both.
That being said this is a comparison thread thats kinda morphed into a like and dislike thread so:
-2 Has way better UI, the only real annoyance I've had is a lack of equipment sets / loadouts so I can easily swap multiple people from a mining set to a farming set, or to smithing set etc.
-As said before I really like the bank debt thing, it actually makes you work towards having your manor instead of just obtaining it freely. I like the option to skip past this section, but would prefer a mode added that doesn't allow you to escape the debt without fully paying it, even by progressing the story. Maybe older Animal Crossing games have made me a glutton for punishment, who knows.
-I both love and hate the quest system, I would prefer if there was more variation particularly from the fighters guild. Why do they seem to NEVER ask for weapons? or armor? or anything other than "clear out this location" / "kill X of this enemy". At least the servants will ask for sex items, the workers will ask for labor items, but only the fighters guild seems to have a team of secret smiths to fully provide them with weapons and armor.
- I strongly dislike the fact that theres only 1 male recruitable 'important' npc. Would love if there was a male version for most of them, but I know how the last game went in regards to that so I don't expect it to ever happen.
- I both love and hate the class and race systems in this game. Like, I enjoy the variation, but holy crap some of the races are WAY better than others. Like to the point its not even a contest. Take for example Dragon vs Taurus: Dragon gets more HP and some Fire Resist AND access to a unique class that gets a boost to physics putting them at the highest potential physics in the game barring Female Seraph (more on that below) and what does Taurus get? Slightly more HP than some races, but not nearly as much as Dragon and no unique class. Its like this with most races actually, so I'd really prefer if they were more balanced. As it stands now Female Seraph, Harpy, Beast / Halfkin Fox, Dragon, Demon, and Dwarf are the best races to pick, the others don't even come close.
- I really, REALLY despise gender locked stuff in games. I actually loved the fact that most classes would change depending on gender to become that genders version of it. Take for example the Head Girl class would become Butler for a male. Unfortunately there are still some classes that have no male version whatsoever. "Breed Sow" and "Valkyrie" the first one I'm not sure what the male version could be, but the second one is the unique class for female Seraph, meaning its completely useless to make a male Seraph because they will not have access to this class and just be worse. Thankfully I'm able to make an empty mod then remove the gender requirements from this class and save it as a real mod very easily which I will talk about below.
- I LOVE how easy it is to make a simple mod in 2, you can do so from the game itself to change small values that you don't like. For example if I wanted to I could add racial bonuses to each of the races giving them whatever stats I desire. I could make the Fairy races heal actually worth using by removing its questionable mana cost. I could (theoretically now, I haven't tried this yet) potentially make it even more useful by changing it to a mana heal instead.