Its honestly such a dead game at the moment, as in the world feels super empty and uninteresting. The pathing for the Pals is really bad too - trying to build a multistorey building is basically a nonstarter as they can’t really navigate up stairs.
Based on that you can get costumes/skins for your Pals, I’m pretty sure they’ll go live service with those as micro transactions.
When people say its not ready, it’s normally some specific use case that worked in X11. So, they’re not wrong, but not right either.