I can agree on the Payday and Mr. Goodbar being among the worst, although they're not terrible, but just not exciting enough to make you wanna break your piggy bank.
For example, I'd rather eat a Babe Ruth than a Payday bar, and there are better chocolate and peanut bars out there than Hershey's Mr. Goodbar variation; it's something about their choice of peanuts that makes the bar bland in taste.
Heath bars (toffee-coated chocolate) are probably underrated. A lot of people dislike toffee candy, but I feel they're kinda like Toblerone. 3 Musketeers and Milky Way are among the best chocolate bars; they're not in the top 10, but they are definitely good, and I rarely hear any complaints about them.
It seems like bruh has a thing against certain textures.