Speaking personally, the biggest issue isn't the waiting, but the chaos and uncertainty. Every part of the NHS is in a constant state of crisis management. I don't terribly mind that I usually have to wait about two weeks to see my GP (family doctor), but I do object to the fact that I'll invariably be seen by a locum (temporary) doctor who doesn't know how the local systems work and won't be there if I need a follow-up appointment. I could live with waiting lists if they were always 14 weeks, but it's incredibly disruptive to not know if it might be 14 or 40 weeks, to not know if your long-awaited appointment will be cancelled with no notice due to staff shortages or industrial action. I've almost got used to the fact that the corridors of my local hospital are permanently full of "temporary" overflow beds, primarily occupied by frail elderly people, often in considerable distress, sometimes obviously neglected.
I'm fairly high-agency and I feel that the system is hostile and difficult to navigate; I have no doubt that many patients who are less able to advocate for themselves suffer preventable deaths because they fell through the cracks.