For metal it's a good year for sure. As for the ratings, I wouldn't make it such an issue, if I were you, although anything with a rating average equal or higher than 3.5 is worth checking out for sure.
On another note, there are a lot of albums that I fancied, but that's not enough reason to rate them with a good rating. For me, to rate an album I should listen to it for two weeks minimum under different situations and moods, in order to tell how good it is.
Another thing for sure is that my 4.5s are expensive, in the sense that I don't often come across "superb" albums (that's my opinion though), but I quite often come across metal albums between 3.5-4.0, which is fine too.
Is Jessica in the music industry too?