No, it's not as bad as people make it out to be; it's worse.
Firstly, Janeway is the most incompetent and genocidal captain going.
The way it's written, Voyager wouldn't have even been a series with a competent captain, as a competent captain wouldn't have destroyed the array before it had taken voyager home in the series debut.
She had three options:
a)Load the array with timed explosives
b)Stay behind on a shuttle and make sure it was destroyed, sacrificing herself for the crew
c)Destroy the array and strand voyager in the delta quadrant
she choose option c[razy]
And then she went on to murder people (tuvix) and straight out change trillions of lives because she didn't like what happened to tuvok (Endgame)
Then there's Chakotay. Beltran is ALREADY not a particularly good actor, which is fine for Voyager because the writers have nothing for him to do or say from from day one. Part of the crew being marquis gave a huge opportunity for conflict, which Chakotay should either have been starting or mediating depending on the issue. And him not starting a mutiny during Scorpion was a huge missed opportunity. Scorpion, while fun, was absurd when you step back and think about it. "Borg's in our way, guess we better help them to save our own skins, who cares about everyone else". They did throw in some line about the aliens wanting to wipe out all life, which they then hilariously walked back on later in the series, making the decision to help the borg even worse.
The Doctor & Seven were the only decent characters in the show (which was especially surprising in seven's case given she often bore the brunt of Janeway's bizarre and psychopathic moralistic soliloquises). Then we had often-creepy-always-ensign-kim, the ever annoying neelix, and paris, b'ellana and kes who were kinda just there (and all complicit in the murder of tuvix).
99% of the time, the idea of Voyager as a ship lost, having to forage for supplies and patch itself up was ignored. The ship was magically fine after every episode, and thus a fantastic theme that should have been the backbone of the show was utilised only really in the two parter Year of Hell (which of course was excellent). I remember back then being hyped affter reading excellent tie-in books like The Garden, which showed voyager having to negotiate for supplies and make hard decisions about what they would trade given the prime directive. I remember being hyped for seeing that in the show. I was to be disappointed.
And let's not even begin on absurd episodes like Threshold and The Q and the Gray.
Man what a bad show.