I think it does deserve to win AOTY after the backlash of RR commercially flopping however even as a Rihanna stan i know that either Lady Gaga or Adele will get the award
No, but Loud is underrated and it would be kind of hilarious if she did win. I'd say it's the 3rd best album nominated after 21 and Wasting Light, both of which are overrated.
The Grammys are so inconsistent though, it doesn't really matter who wins.