It's not nearly as complicated as you might think, because it's just that there is an option to increase (bump) the fee for your transaction in case you set too low a fee and the transaction got stuck because the mempool found itself under a much higher load than it was that was the case when you sent the transaction. In that case, you will simply select RBF (replace by fee), enter a new fee and broadcast your transaction - and the miners will confirm the new transaction before the old one, which becomes worthless.

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I am more in favor of the approach that if you want to do something, do it the right way, because you will save yourself a lot of time later. Many times using Electrum, I experienced that the wallet itself offers a fee that is not quite in line with what mempool shows, and I think there was also a discussion on that topic in the Electrum board. That's where you're in trouble, because if you made a transaction with a low fee and you don't know about RBF, you'll think that Bitcoin is slow or you'll panic and come to the forum to ask why the transaction got stuck.

I may have an approach that is not the simplest, but some people later thanked me because they understood much better how Bitcoin works and of course they pass that knowledge on to others.