You haven't got to endgame yet, so what I posted entirely applies to your experience so far. It's a decent game if you compare it to franchises without a million-dollar backing.
The game is fine until you get 1/3rd of the way through and realize that balance isn't even present in the live build. It's a game I'd play for free for a bit and then move onto a better, more polished game (POE/D3).
As for hero pricing......the heroes are a joke for how expensive they charge for them. I play Rocket Raccoon and the character has NO balance. I'm by far one of the more OP heroes, and it's most likely because my hero costs 20$ just for him alone. If I was smarter I wouldn't of even purchased a hero in this game and just got my free kicks in. Oh well. And yes, I agree; this game will be dead within the year. Expect costumes to be in packs at 5$ by the end of the year because that's how hard they are trying to ruin this game.
Yea, for my one hero (Rocket Raccoon) +1k credits and a costume, it cost 20$. I was pretty stupid with my money. 1k credits buys you a whopping 80 inventory slots or so for your stash, or 2/3rds of a costume. It's a joke how badly they want your money.
No, trust me, there are far far better F2P's than this game. I dislike "serious" themed ARPGS (call me weird) but Path of Exile is by far the leader in the field.
EDIT: this is how bad Gazillion is handling this game: Server rolls back for the third time in a week, people lose 20 minutes of grinding/work. I lost a PAID item. No big deal, right? Just refund me the currency amount.
OH WAIT, 7 day wait for support. And they have no evidence of anything during that 20 minutes. Yea. This game is diving deep, fast.
Double edit: Uninstalled. I didn't even spend my currency before I left. I'd advise people as I mentioned before to play until 30 then quit. It's like a free b-grade movie until level 30, then they try selling you part 2 and 3 which make zero sense and were produced by 4 year olds with nokia phones. That's the best analogy I could come up with.