I'm still playing Persona 3 Reload and I believe it finally clicked for me.
I still don't particularly like Tartarus that much, but I've been able to complete each section relatively quickly so far (and without grinding) so it's certainly not too bad. The rest of the game has definitely opened up though (thankfully, I'm about 30-35 hrs in, haha).

Slowly making my way through Jeanne d'Arc on the side - gameplay wise it's up my alley (minus grinding...), however the story is pretty subpar imo.