Love & Monsters is, I think, the only episode where halfway through I said "I don't care what happens to these people" and fast-forwarded until the monster showed up. I presume, then, that puts me in camp 1.

Regarding some of the other criticisms you cite:

• I don't think the monster's flaws arise from it being designed by a child; the child's drawing is far more menacing than what we actually got. That suggests the problems are in the realisation of it.
• What bugged me about the paving slab was that one line says Ursula is supposed to be immortal. That means she'll outlive Elton and everybody else she ever comes to love, and sooner or later will surely fall into the power of someone or some organisation who won't treat her kindly at all. There's a reason that in The Five Doctors, the punishment Rassilon doled out was immortality as a face on a slab.