I just prefer single player games in general, so I don’t play many multiplayer games anymore. I can play at my own pace and I don’t have to worry about things like cheaters, lag, battle passes, etc. I do play FFXIV with some friends pretty often, and I sometimes play Halo and Rocket League, but those I usually play solo.
The only time I can see FFXIV being toxic is if you’re doing savage content in party finder. You might occasionally run into a jerk in duty roulette or pvp but my experience since I started playing a few years ago has been mostly good.