Okay, so my thoughts in general are that it's not a 9/10 or a 9.5/10 as some publications have sucked it off to be, it's a decently fun entry in the genre, but it's not revolutionary in any way. Everything it does can be clearly traced back to either Mass Effect, New Vegas, or Borderlands, from the gameplay to the narrative to the aesthetics.
The story is obviously anti-capitalist, but in such a cartoony and silly way that I don't think the message will really hit home with most players. I think most people will just see it as a silly Fallout-style world and not understand what the core message is supposed to be. And, yes, Phineas is a very cliched character and instantly reminiscent of Rick in a bad way.
The characters in general felt a bit stale to me, it didn't seem like the companions in particular really had any motivation to come along on your quest and that they should have done more work there. Ellie, Felix, and Nyoka in particular felt very underdeveloped.
Another big problem for me was the combat - it starts fairly hard (on Hard) but then gets way way too easy very quickly. The only point in the game that the difficulty felt right for me was when trekking from Cascadia to Stellar Bay instead of buying the Navkey, and you're not even supposed to really do that. The only reason that was tricky was because of being underleveled. Overall, the game spent too long on Monarch in my opinion and that whole planet should have been trimmed down a bit to create another smaller settlement like Edgewater.
The story was okay, but it often felt like you were just following directions and had no real choice in anything - except for the central choice to work with Phineas or to turn him in, which, why would you turn him in? Surely there could be some third option kind of like 'Yes Man' which is more independent of the two sides.
Also, the ending boss fight was just laughable, I honestly laughed out loud looking down at Tartarus and seeing the dumb little SAM-sized robot that looked like the ones I'd been fighting all game - and then to make it annoying they just gave it a bunch of health.
Anyway, overall, I'm glad I played it and it was fairly enjoyable, but at the same time, it didn't really live up to my honestly quite meager expectations that it would give Bethesda something to worry about, I think it's too insubstantial to really do that.
A decent 8/10 (in videogame terms), in normal terms, 6-7/10.