I'm not sure if you read the OP, but the main point was that the content you get is awful even if it's technically universally available for "free". Inflated in-game prices and deliberate artificial time barriers to even get the shallow content does not a fun game make, and the grindy barrier of time instead of money is still a split to the playerbase, just not a traditional money barrier.
I would say Gta Online style microtransactions are best, because you can get the same stuff as persons who want to use real money for them, Shark Cards that is of course. If you have been playing the game somewhat actively since lets say Heists or Xbone/PS4 release or even from the begining of Online back at 2013, you should be good. Especially if you don't need every possible toy money can buy. Gta Style is also good as it doesn't split the playerbase (or well it does but not in traditional way). I'm not personally big fan of Shark Cards and 99% sure I won't ever buy 1 but it's good way if somebody wants to pick up the game now. Also Gta style ain't pay to win imo.
It's funny, this is always brought up when defending microtransactions, even when this point hadn't been mentioned at all - it's a fairly clear demonstration that the content put on a pedestal as incentive for the whole microtransaction thing is faffy bullsh*t that's used entirely as the desirable goal - y'know, like collecting all the toys in a set - instead of the actual gameplay itself.
Especially if you don't need every possible toy money can buy.
The game shouldn't rely on the belief that to have fun you need to own the thing, and to have the best fun you own all the best things, but that's where it is. No, you don't need to, but evidently the idea is prevalent enough that you kinda have to to have fun.
And so on, and so on, but that's all in the OP (ﾉ◕ヮ◕)ﾉ*:･ﾟ✧