Yeah pretty much.
Like IMO, you've got:
Infinity War
End Game
Ragnarok
The WInter Soldier
GOTG 1 & 3
Civil War
As legitimately really good top tier movies. You could maybe argue a couple other movies belonging in that really good tier(Like personally I've have Shang Chi in that really good tier, and the first Avengers) but for the most part that's it.
And then on the low end I think you've got:
The Dark World
Black Widow
Love & Thunder
As the legitimately bad movies in the MCU that I would say probably aren't even worth seeing in theatres, where again you could argue a couple more belonging in that group(Lots will have Eternals in it for example).
Everything else falls under a fairly large umbrella of decent enough to be worth watching but not amazing achievements in film or anything. The Marvels likely falls into that same middle range category as a lot of other things and that's perfectly fine IMO. You simply cant have every release be an Infinity War tier movie.
Where I think people might have a legitimate gripe with this current saga in the MCU is the Disney+ content. Where I think they've pretty routinely dropped the ball in that front. And seemingly with different issues every time.
I think the problem is other than a few appearances of Kang there's no real feeling of build up towards, let's say what's left of the Avengers being a compelling team.
Like what do we have?
Ant Man is likely
Dr. Strange who is still very much doing his own thing
Wanda who's, what going to be a good guy when she inevitably returns?
The clone of vision?
Black Widow 2 through Florence Pugh?
Cap (Sam Wilson)
Kate Bishop replacing Hawkeye?
Thor...maybe?
Rhodey?
Spiderman if Sony is willing to acquiesce?
Is Loki going to be an Avenger?
How many of these Captain Marvels will be on the team?
Like the early stage of the MCU none of these characters interacted until the Avengers outside of Iron Man and Black Widow. But they were building up a core four that no matter how many extra heroes you added in the mix, they were the backbone of the Avengers and they were put together by Nick Fury with Thanos as an underlying threat. Right now you don't really have a core group and even the veterans you do have, it's unclear how central they'll be in this group of heroes. The only thing sort of binding these disparate story lines is the hints of the threat Kang poses. Before, even before the main heroes met, you had a sense of what the Avengers were going to be. Right now that's very much up in the air.
Absent Iron Man and Captain America it just feels like the formula that worked before isn't present here and what's replaced it is vague and uncompelling.