Depends. I don't use it in any of my loadouts unless I have specifically rolled the shiv-troll class or specifically silenced class. 4 points? Fuck that. Stop moving, they can't see you. I bait so many people into my shotgun lately. Sprint in a circle for a second, crouch behind thing, be still as stone, and kill the guy(s) coming to investigate... it's especially satisfying when you pop him while he is creep-walking in LM.
I'll take first aid 2 or crafter 2 all day before spending four on covert. I'll take agility 2 all day over covert. (even though I've stopped using this in favor of other options) Hell, even fortitude 2 is better than covert. Imo. Just because at some point, you have to fight the other team head on. Using anything that chews up ammo? Scavenger 2 takes a huge dump on covert. Don;t have to pick up ammo and parts off the ground and you can keep the mag full all round.
My current go-to class is enforcer, crafter 2, first aid 2, reviver and a shotgun. I'm more helpful to my team throughout the match than a flanker and the fully loaded shotgun gets it done when shit hits the fan.
But like I was saying earlier TLoU gives you options. Stealth is very advantageous, but you can get it done just jogging around killing people if you're good enough. Play how you want and find a team you gel with. Teamwork and communication is probably more important than anything else in the game. Stealth, whatever... if you have four guys working well together that's the most important thing.
