No movie is loved by everyone. And that is ok.
Hype can ruin an otherwise good movie for me. Fortunately I saw Frozen opening day. It was very good. But I also discovered something unique, and a number of other fans have confirmed this; that it took at least 2 and sometimes 3 showings before I absolutely loved it! There have been other movies that were supposed to be great and I was underwhelmed. I wish I hadn't heard about them first.
I think the animation is fantastic, but that isn't what makes a movie such a cultural phenomenon. There are several aspects to this story that are unique and very good. If they connect strongly with the viewer, than it will be one of the greatest movies ever. It is to me. If they don't connect, than the movie may just be good, ok, or even lousy. That is up to each person. Sisterhood, the villain being fear, the hero using sacrificial love, the twist on true love's kiss, empowerment to be yourself, but also love others. These things are unique in Disney movies and FANTASTIC messages.
I think Elsa and Anna are both very well written. They both behave consistently with their personalities throughout the movie and their interactions with each other and others are consistent with these personality types.
My one suggestion. Sit and think about how awful this movie is, how terrible. Then stop, and watch it again with an open mind. Possibly even a third. Look for the themes and ignore aspects you dislike. Don't dwell on them. Then consider if it is a better movie.
If you do all that and still think it is just OK, that is fine. Even if you HATE it, that is ok, too. It is just a movie. However, be prepared for a new generation - and some of us oldies, too - to consider this the greatest Disney movie ever in about 5 to 10 years. That will make some "mad", but I think it will happen. There are millions of people worldwide that went gaga over this movie. They will grow up calling it the greatest just like Lion King kids did.