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The micro-transactions are pretty much all cosmetic, though I'll admit it gets to a point where the extra stash tabs become near mandatory. Still, for the £30 or so I've spent in game I'm very happy and there's no actual content or pay to win in terms of skill/character availability and progression.
Looks a bit intense with all the sockets on everything, is it quite a steep learning curve?
Initially, yeah - it can be pretty daunting, though they're adding new tutorial stuff for new players in the coming release which is probably a month or more away. The skill tree is sort of intimidating at first... there are plenty of build guides and suggestions on the forums though.
Googled. Saw micro-transactions. Fucked it off.