I just watched this again, and I've completely changed my decision. I rate it a solid 90%, cracking performances and a great atmosphere. That fog chase was superb!
It's unlike the other Nolan films in a way. It's less of a film experience where you watch it from beginning to end and get blown away, it's more that every second there's something about it to enjoy, whether it's the performances or cinematography. One could argue that the final product isn't quite the sum of the parts, but I still really like it.