Adam, I think you're on point with the criticisms and also with what makes the game great.
Personally, I think it's great because all of my esoteric interests seemed to be morphed into a game just for me! Crime! Mid-century interior decorating! Classic cars! Film noir! New Look fashion! I'd hesitate to give this game a negative review, just because I'm not likely to ever play a game like this again. I am so big of a nerd for this era that I can indeed give Team Bondi a thumbs-up for putting period correct linoleum in the kitchens.
I would like to see Phelps' home, if only to see a few one-liners from the wife. It would have been a nice place to keep the unlocked cars in a garage, to be able to drive them again, like you said. Maybe use the house as a place for your personal armory? Players are supposed to be able to open police car's trunk to access weapons, but either I never remember to do it, or I end up with the shotgun no matter what. (Please, if I'm doing this wrong, someone tell me!)
I knew about the film reels... While it would have been nice to see little clips or something, I realize the rights would have been impossible to get. I settled for hoping it would spark interest in people who would not otherwise seek out classic films. John Marston was able to see a few moving pictures in RDR... it would have been great to go see a few newsreels or some burly-q. RDR's scope and sandbox play was unbelievable, and I don't think John Marston's linear story ever suffered for being able to go off on your own and interact with the surroundings in between cut scenes. It seems as if they were hesitant to let the player control Cole Phelps very much outside the story for fear of losing believability. I guess that's understandable since Phelps is a cop and Marston is a shootist.
Also I am happy to report I was just as bad at driving as I was at riding a horse during the first part of the game
