This is my overarching thought too. When I first came out of the cinema, I really wasn't sure how to feel. Did I like it or not? I'm a huge Matrix fan (having argued passionately in favour of the sequels on these very forums for years, heh) but I was genuinely confused about Resurrections initially.
But over time - after watching some commentary on it, and re-watching - I've come to appreciate it.
It occurs to me that The Matrix trilogy is a very neat triptych; trying to extend the story was always going to be a daunting task. I think Lana Wachowski took the right approach by applying a meta lens on the whole thing. At the same time, she actually provided a very plausible chronological sequel (the front half of the film is wonderfully cynical, while the back half is lovingly earnest and digs into what happened after the events of Revolutions).
I suppose that my biggest criticism of the film is that its special effects aren't nearly as mind-bending as the original trilogy. Don't get me wrong, there are some wonderful shots
but I feel that the special effects here aren't as ambitious. That said, I like the transition to natural lighting, and I think you can see that Lana Wachowski leveraged a lot of her learnings from post-Matrix films (the cinematography feels less "tightly controlled" here, and more natural - aligned with the lighting, I guess).
I can't say really what score I'd give this, because it almost defies numerical scoring for me. In some respects, I think Lana pulled off the impossible with this film. She actually made a sequel that simultaneously extended the plot of the trilogy while also itself being a super unique and conceptually ambitious movie (in a similar way to the original film). I think I have to accept the reality that no movie is going to completely replicate the impact of the original trilogy for me, which is okay.