You guys need a Sherlock thread...
I liked 13th Floor quite a bit. I remember seeing the trailers and thinking it looked inferior to, and on the coat tails of, The Matrix, which is one of my favourite movies... But when I got around to seeing it, I actually quite liked it. I can't recall it perfectly since it's been years, but I don't remember thinking that the storytelling was totally overt or that it was dumbed down.
Maybe I'll have to give it a spin again.
By the way, what did you think of the final 2 seconds of the movie. I thought it was particularly awesome, but I'm not sure if everyone has the same interpretation as I do.