Given my interactions with Tom, I'm surprised I haven't gotten a title like that already.
I'm not really that ashamed of owning it. There's a lot good in there with the bad - I like a lot of the dialog ("Why not? She's a fertile female of childbearing age") and I appreciate that the world ends, which is a move most movies aren't willing to do. The bad parts are mostly about Arnie apparently insisting on making the T800 into the hero of the film, with Arnie one-liners. The bit where he refuses to kill John through "willpower" after being subverted by the TX is terrible. The TX also completely screws up the time-travel rules as established in the series so far, but I honestly think the T1000 from T2 does that as well, so it's hard to hold that against the film.