I just saw it too, maybe an hour ago. I liked it. Maybe because I know the real story (and I can play chess?), the first half seemed somehow choppy to me... it didn't really draw me in. There were a few times I was very aware I was watching a movie (instead of being lost in the drama).
But I was able to get into the 2nd half, and ended up enjoying it good amount... maybe 3.5 out of 5, something like this.
1. I didn't notice the geek vs tough guy thing. I did notice Spassky's character wasn't well developed, and he came off a little too cold / mean ot me (as you say).
2. I did think Fischer's character was a little flat, but excuse it because it's a 2 hour movie and you have to have the usual mechanisms of sotrytelling. But real life? I don't know, I never talked to the guy. In real life he seemed to drive away most / all of his friends. Craziest soundbites? No, not nearly. I thought they were good at using some pretty PG and PC soundbites. You've obviously never heard... well, just about anything you can find of him in his later years.
3. I noticed this during the first half (the camera). However I thought the music was fine. In fact I thought they didn't use it enough 
4. Of course chess has to be a tool for the storytelling. I was impressed they used real positions and the drama centered around actual drama of real moves (like BxN in game 3). I don't know what GMs at the time thought, but I know the first time I played through the game I was thinking wow, this really looks bad for black!
5. It implies super genius struggles with insanity. The only players you see or hear about acting crazy are super-world class (Morphy, Fischer, Spassky).
Fischer tells us "They say there's so many possibilities, but there's always only ever one right move. In the end, there's nowhere to go."
I thought this was a powerful line. It had nothing to do with chess, this was insight into the developing madness of the character. He felt he had no choices (in life) he felt trapped.
Another powerful line I liked was when the lawyer says "He's afraid of what will happen if he loses" and the priest responds "No, he's afraid of what will happen if he wins."
And as we know from real life, he won, and his life fell apart. He lost all purpose, he felt he had nowhere to go. Both figuratively and later literally when he was a fugitive hopping from country to country.
If they stayed true to the facts, it would be called a documentary. If they played loose with the facts, its called Info-tainment.
For "Outstanding CRAP In A Dramatic Role", and the winner is......
I just saw the movie pawn sacrifice and I hated it. Here's why.
1. Boris Spassky towers over Fischer in the movie, it looks like Spassky is a football player and Fischer is a geek about to get a wedgie. They really make Spassky seem like a mean "tough guy" type.
2. The portrayal of Bobby Fischer is a caricature, yes Fischer was paranoid, but the way he's portrayed in the movie makes him seem 100x more obnoxious than he ever was in real life, in the movie, he's always yelling about something. Even the way he talks in the movie as a kid is snobbish and brattish, not like the documentary footage I've seen. At the end they use a few real life soundbytes of him as an old man, probably the craziest soundbytes they could find, to make it seem like the caricature is real. Fischer wasn't nearly as unlikable as they make him seem in this film. The real Fischer had at least some degree of charisma, and wasn't always screaming about things and being a brat. It's like they took the paranoid, pompous side of him and made that into ALL that he was.
3. The cinematograhy itself was awful. The camera work seemed jumbled, and the editing was always cutting from one thing to the next. The music bombards the veiwer, at times I felt like I was watching idiotic music videos on VH1.
4. The actual chess is brushed aside. Chess is not central to this story, chess is used as a cardboard background prop in order to show the extreme drama of Fischer as they've created him.
5. The movie implies that chess is a game that makes people crazy. The movie tells us that Morphy killed himself because of chess. At one point one of the characters remarks "there's a billion possibilities to consider, more than the stars in the galazy, it's really easy to go off the deep end" at the end the Fischer caraciture tells us "They say there's so many possibilities, but there's always only ever one right move. In the end, there's nowhere to go."
I rate movies on a scale of 1 to 10, with 1 being the worst and 10 the best. If I give a movie a 5, it means the movie is just barely good enough for me to keep watching it to the end. I give Pawn Sacrifice a 1, and I would have walked out of the theater had I been watching it alone. It's not just that it's a bad movie, it's a movie that I think is actually harmful and misrepresents the game of chess in a negative way.