bastions ok, turrets are her kryptonite... especially in some maps.
I love Pharah, I use her most of the time and love the constant skyrocketing in the air and bouncing around. ultimate is really powerful but you need to surprise the other team, you're very exposed in those situations.
Yea, need to know when to rain hell and when to stay low. She's great in attacking guys when they're distracted fighting your team.