Welcome.
I am playing The Division currently as well while taking a much needed break from Destiny.
I find The Division's loot system 100x better than Destiny's, but the replayability is nowhere near Destiny's.
Game play options are also lacking in The Division.
Running for hours in an all but empty city, no change in scenery makes for a mind numbing experience.
The bungie update was lackluster, and late to the party in my opinion.
I have been able to pull myself away from Destiny finally without any urge to play it.
They waited far too long to "announce" the contents. Even if we were to have to wait months for it to arrive, it was still far too long to keep the information from us.
I truly hope that Destiny takes a HUGE note from Division on how to do loot.
I hope to get some kind of raid news, as that's where the real fun is.
I think it's debatable if the looting is better. Division provides a constant stream of loot, so it feels like your rewarded and progressing all the time, but because of its consistency I doubt the game will compel people to play it for very long. After 2-4 weeks everyone will have the best gear.
The variable reinforcement of Destiny meant that players and their loot distributions were appropriately differentiated from one another, providing many with a reason to keep playing. I'm not saying that's necessarily better or worse, but I think in the long-term it keeps people engaged with the game. I think Destiny's Taken King update actually went in the same direction as The Division, providing a constant stream of loot but that resulted in everyone having everything after 3-4 weeks. I know around week 3 of TTK, I had ever new exotic on the loot table. I don't think that's very interesting.
Aside the behavioral aspects of the design of these two games though, Division's actual gameplay is dull. The AI are very basic state machines, some of which demonstrate little more depth than the AI in Pacman (only alternating between two states), meanwhile, gunplay itself and options within combat are frightfully dull. AI variance doesn't help, as aside from enemies that run at you and enemies that don't, there's no reason to adapt from one fight to the next.
Not to mention, it's a city of missed opportunities. The pleasure of this kind of fantasy is the freedom it provides, but The Division offers none of that. You are in an anarchistic environment yet the player has no freedom to do anything. There's nothing unusual to loot, nothing to craft or scavenge, nothing to do beyond the main quests, no reason to explore, no emergent side quests spawning from civilian NPCs. Ugh, it's just bad.
Honestly, I really hate it. They've built a pretty city, some very barebones third person mechanics, and they're expecting behavioral game design to carry the experience. Destiny is different because the actual core of Destiny's design, the gameplay, is actually very good. It could be better, no doubt, especially in PvP, but AI, environmental diversity, freedom of movement, solid controls and diverse abilities come together to make some a pretty good first person shooter.