I have to say, this update, is one of the best i have seen so far on this site. Thy improved gamplay, quests mechanic soo much. Main story intorduce all important aspect of the game, money farming, grinding your stats(but i wish they hint how to lvl up intelect more clearly). I like that they forced player to grind pizza delivery, since it is the best way to earn money, and a lot of people did not notice that. I also really like that random thug element, forcing you to put all your money into the bank.
Even that main story is kind of cliche(bad russian mafia, good guy ex mafia italian pizza guy) i enjoyed it a lot.
Regarding this random russian thug thing, i would add some "safe" places, like bank or police station, but i think it would require extra work. And bring back 40k for a house, 5k is way to low, and it (at least for me), ruins immersion a bit.