I've gone mostly single player as I got older. Even stuff like Monster Hunter World I will struggle against Behemoth instead of just teaming up. Other people are just added complexity I don't want to deal with.

That said game design and moderation can help alleviate the toxicity. FFXIV is fairly decent for this, as raids tend to have zero setup so at worst you just waste time attempting them. Contrast with other MMOs where you have to earn entry or face significant costs to attempt, then more costs when you fail, that's understandably a recipe for toxicity even in a supposedly cooperative game.