I have been using Civitai for few months now. Honestly it's pretty good, makes creating images easy and even if you are a total noobie you can look which models and promps others have used to get pointers on how it works.
I would give 5 starts, but only issue I have faced is that site some times is really slow. I have seen admin post about how they are upgrading since they are getting more and more trafic so I hope it will get better.
This far I have only been using free buzz, and I can create usually 2 different image sets a day that Im happy with, which I think is fare enough, that's still like 100+ free images a day. Of course buzz needed is going down since I have gotten better at prompting and getting what I want in fewer tries.
I have to say I don't really get what others are commenting about cp or beastiality.
In my time I haven't seen any beastiality. I have hidden furry content so I don't know about that side, and to be honest I don't really care since it has been and can be hidden from the start. And only few images that seem to be on way too young territory. I guess what people count as cp might be subjective, mostly it's just youngish looking characters that could easily be interpeted as 18, like some disney or anime characters. I did notice tho with some models if you try to create cute & small boobs from high view angle, it some times makes the characters look way too young, but I haven't encountered those in my feed.
This far I have gotten what I have wanted, cute animals, beautiful land scapes, cool magic + warriors and of course sexy ladies. Generation side would get 5/5 from me.
I have really liked the service and In seriously considering buying at least the lowest sub in the future.