Not yet! It sure is more calm and chill now, without the debts, and I just got all of the fossils. But there's a lot of items yet to appear (so for me to decide different decorations and what I like most), more animals to meet and find and maybe get some pictures, also I want to experience the next events and updates, and the different seasons, and complete the critterpedia. There's still at least a year to enjoy!
I`m Lucky enough to be a crappy designer so it never feels finished to me. I still want to majorly overhaul the villagers living district and I feel getting more items keeps planting new ideas in my head. I don`t think I will ever be finished with this game, because I don`t have a really steady concept in my head of how it should look. Even if I`m happy with sometihng, I can find new ways of revamping it or completely remodelling it. Its because of the seemingly endless posibilities as well. Ofcourse the monthly new fish and bugs help as well, as well as still having to find like 4 more "dream" villagers. I still have a lot to do. I have been thinking about restarting though, but purely to make a cleaner start of my village area. However, I decided against it and can do that while I go forward.