Naughty Dog has never been great at writing well-developed, complex characters IMO, instead relying on quality performances from their stable of usually very talented actors. And it's not that the performances for Chloe and Nadine were particularly bad or anything - Chloe's voice acting was actually quite charming at times - but they weren't great enough to lift this game above "pretty good!" tier, for me.
Some gorgeous, memorable set pieces, as you would expect from an Uncharted title. But relatively cookie cutter characters and a formulaic, Macguffin fetch-quest story makes for a fun, lighthearted, and good! but not great, game.
Worth checking out for any big Naughty Dog heads, but not a game that's gonna convert many skeptics.