I see no problem with playing online.
Raised my luckstat… through GR i got +12% and i equipped the artifact “Fire Stone Loaded Dice” which decreases my health by 75% but vastly raises my luck (don´t have any exact numbers, but you realy feel the difference).
legendaries drop like crazy on TVHM M3… random mobs drop every ~5-10 minutes a legendary , bosses/vaults i get mostly 1-3 legendaries and rare/named mobs 1-2.
These droprates seem very fine to me … and even somewhat too high (offline would just be over the top and boring).
You know why borderlands 2 got played so many years?
Because legendaries didn´t drop like candy and you realy had to farm for it like crazy, which was fun… in Borderlands 3 i´m already close to have the best in slot items within 56h playtime (and most things dropped after the nerf).