I'd say it's the complete opposite for me. I loved Utopia, found TSoD to be fairly entertaining, and loathed LoTL. Though I think Fear Her is the worst episode on a techincal standpoint, I rank LoTL as my least favorite episode because it squandered so much potential.All three eps. got progressly better and the finale was incredible,
Or, to paraphrase Roger Ebert, "I hated, hated, hated this episode!"
I thought The Last of The Time Lords more than exceeded it's potential, it was a very Shakespearan storyline, complete with the Master's Richard The Third act, his death and flaming burial.