I've said before that his last decent album was Years of Refusal.
2010 onwards has been a huge disappointment. All of the albums he's put out since then have been sub-Kill Uncle, which I now appreciate a lot more in comparison.
I have come to view Morrissey's solo recording career in the following ways:
1988-1997: The Poet Years
2004-2009: The Post-Wilderness Years
2014-2020/2021: The Post-Whyte Years
we all know and understand the Poet years ad nauseam, but it's his transition from the poet who questions and yearns into the post-wilderness man who knows best, that I believe is the main culprit of the decline in quality of Morrissey's material -- play the songs Maladjusted and America back to back if you need to to get what i'm saying.
in regards to the actual post-wilderness recordings:
Quarry's production is unlistenable and the songs are only decent, at best.
Ringleader is a slop of an album with uneven production and only one true quality song (Pigsty).
Refusal is decent, like you said, but I only really like Mama and OK by Myself.
in regards to the post-Whyte albums:
World Peace is forgettable.
High School at least has Lonely, but that's about it.
California Son is ridiculous.
Dog however, in my opinion, is decent, but is also uneven like always -- Love, Bobby and Ruth should never have been released.
BOT sounds like more of the same and the production on Rebels was amateurish -- he should've rerecorded the entire thing with the Alain lineup when they went in for Without Music.
in regards to whatever his final phase will end up being:
Without Music has my interest in that the songs played live sounded a bit different than usual, but I can't say I really liked them -- Notre Dame is idiotic and I dread one day hearing Suspicious Minds.
all in all, he had an amazing run during the Poet years and we should all be thankful for it. there's no going back and the genie will never be put back in the bottle, so as I've said previously:
enjoy what you can of his live shows while you've still got the chance.