Tbh it I like the sims 4 and you did purchase get to work right so the hospital is under the medical career and the police station is under dectitve career and if you have a baby you have an option of going to the hospital and having the baby. And the loading screens are part the engine sims 4 runs it is tad annoying at first but they go by quick. Also go to household management tab in the manage worlds and click the family you wanna edit and hit the two arrow going in the opposite direction and that'll help you split household up. Oh and toddlers are in the sims 4 now and really well done you should try them. I do agree that the realse date of the sims 4 was kinda rushed. But ya again you are comparing two different games with two different engines. EA prob choose some of the option like no open world or no color wheel and loading screens to prob make the game easier to run and more accessible to simmers who would like to play.
