The setting is that you're playing in a video game, so things aren't realistic, that's for sure. It's not supposed to be though. The issue with the crazy skins in CoD is that they're portraying themselves as a "hardcore realistic military shooter", but then you have the American Dad characters running around.

The Finals being not realistic allows them to do so much, from level design to mechanics. It does not play like Battlefield at all, but it does have better destruction than it's ever had. The gameplay is that of a fast paced movement shooter, and it's very cerebral, with a lot of ways to outplay your enemy and use them and the environment to your advantage. Even without the reaction time and skill of some people, you can play smarter and win.