I don't think it's too complicated if you put your heart into it, but neither is rooting your phone using ADB. It's just not for the average person I don't think. I can see people using Bitcoin-Qt or Electrum on their normal computer, and likely this is how 95% of the average bitcoin user will use their coins... either in a hot wallet or a local wallet, but never truly shielded like everyone keeps recommending.
I agree that it's not for the average person in terms of how technical cold storage wallets can be. However I also think most people underestimate how important cold storage wallets truly are.
Any "significant" amount of bitcoin (however you personally define significant) should be kept in cold storage.