It's fine. You are stuck in Isla Paradiso and a handful of custom worlds to get the full experience; even lifeguarding is broken in some worlds (e.g. Sunlit Tides has too shallow of water for people to drown in!). You have to mod out townies turning into mermaids unless you're fine with it, since EA didn't make a toggle. I've heard that resorts are buggy but especially Hobart's Hideout in Isla Paradiso thanks to routing issues.
Hope this helps! Boats and houseboats can be annoying and the houseboats in Isla Paradiso are a source of a lot of its problems.
I was mad then but some of the bugs and choices made ended up getting repeated as TS4's biggest shames or
things I'm ambivalent about (namely tying gameplay to a specific world again) Or things that are even worse, I
hated the radio silence for reported bugs in IP and ITF and even downright denial of them. Still salty about it!
But the dive lots are gorgeous, IP is a beautiful world, I like the activities and more goal-centered things like finding the hidden islands and resorts, all ages got CAS assets, and the build/buy assets are some of my most used ever.