Civilians either crouch for eternity or they run away in some random direction and despawn. That's not really impressive. Gang members can more or less pathfind to your position and shoot at you, but they have no contextual understanding. They are happy to stand next to explosives, they don't run from grenades, they try to use cover against tech weapons, they don't use any kind of tactics...I've almost got 100 hours in. Again, the AI is fine. Hell, even the regular population react to all sorts of stuff going on. The problem with the AI is the programming gets broken and all of a sudden they either stop moving, disappear or something. That has nothing to do with the AI or the life of the world. It's just bad coding and a lack of QA testing before sending the product out and it's very immersion breaking. The game is buggy and glitchy as hell but bad AI? No.
And that's before we consider how they tend to automatically spot the player if you're attacking them with hacks and how they tend to be automatically alerted even when they shouldn't be. And before we consider how AI driving is a complete joke and how cops just teleport in and how cops cannot actually pursue in cars.
The AI in this game is anything but "fine".