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General jist: You can get by as a free player, though you will lose out on the main story and (obviously) you will not be able to obtain some gear/subclasses. You're basically just playing a demo.
If you want to purchase any DLC, I'd recommend the Forsaken pack first as a lot of it's gear/subclasses are still relevant ant useful. You can also get the bundles when they are on sale to get more bang for your buck, though I read into those so you know which one you want to buy.
Even now though, I often get full or near-full lobbies of players almost anywhere I go.
But in terms of "pay to win" buying content gets you access to that content's gear now while the gear may be the "flavor of the month" you still have to get everything yourself so it doesn't just hand you the best gear as getting said gear is the gameplay loop. But regardless of that there is a lot of great gear that free to play can earn.
Before you buy anything: they release big DLC each year (the upcoming was delayed a bit) and then 4 seasons until the next DLC drops. When the new DLC drops, last seasons are removed partially or completely, but not the gear you earned. The next DLC is coming soon, so there's little point in buying BL deluxe now.
As F2P you can do the Forsaken campaign now until DCV[help.bungie.net] happens with WQ (Year 5) release.
This game is very different than Planetside 2. In some ways it's better and other ways it's worse. I will say I only play PvE in Destiny 2.
If you just want to try out Destiny 2 I would download it without paying for any of the DLC's and see what it's like. The shooting mechanics in Destiny 2 are good and you'll have fun going through the content available to free to play players.
The skins are not just cosmetic and are actually armor and are really important to your survival in the game.
Read this old reddit post for more info.
https://www.reddit.com/r/DestinyTheGame/comments/lwu5t4/moving_into_highlevel_pve_a_guide_season_13_update/
The downside to Destiny 2 is that it's a grind fest. Your ability to progress through PvE content is your power level. The way you increase your power level is by earning xp. The quickest way to earn xp is by doing weekly and daily bounties which you get from vendors and guardians.
Let me give you an example. When I started playing Destiny 2 certain enemies required you to be at a power level equal to or above their power level in order to damage them. I don't know if that's still the way it is as I've progressed enough for it not be a concern for me.
On Feb 22, 2022 a new season of Destiny 2 starts. I would wait until then to purchase anything because some old content is going to be removed from the game. So if you buy something now it may be removed after 2/22/2022.