Would be interested to hear more about Payday 2. I bought the first two games awhile ago on sale, but haven't played them yet. I'm really intrigued by the idea of a bank heist game, but was worried it would either be a) overtly stressful/frustrating and/or b) too much arcadey-railsy cover shooting.
From what you're saying, it can be really fun and improvisational, but only if you play it with real people?
*EDITED for clarity*
Haven't actually played with real people yet but hope to find out soon. (Rhys and mack could give you the full skinny on that). It definitely seems to be more limited in solo, that's for sure, but there is some room to play around. I think the main issue for you would be that stealth options seem to be pretty limited at the beginning.
When you're playing 'loud' it is definitely on the stressful end of gaming. Once things kick off it's essentially an FPS with some novel strategies & kit thrown in. (And worse, with waves!
All be it with some strategic freedom about where you set up etc, and with some reasonable AI tricks up its sleeve). It's also got some real grind curves to get through to open up fun stuff (expanded pre-planning options, full viable stealth runs, kit that speeds up operations or opens up new strategies etc).
Prob worth a dip though, I think there are things in there that might appeal to you. (Even though full blown stealth is very tricky, the longer you can go without raising awareness the less carnage you have to deal with - so there's a challenge in that).
See how far you can get casing the joints and surreptitiously taking out guards and cameras in Four Stores & the Jewellery / Diamond Stores. Then move on to banks
. (Or just embrace the firestorm and take on Mallcrasher - where the objective is to trash a mall, and the cops tend to help out with that
)
To get a feel for what stealth could be like have a poke around the Art Gallery map too. I think it might even be do-able at an early stage, once you unlock the ECM jammer, but very tricky still. [See
here for some of the tricksiness involved with just this one bit of kit]. (Shadow Raid is also an early dedicated stealth level, but I've struggled so far without the means to hide more than one body).