As a Bitcoin enthusiast, I want to say briefly that you shouldn't sacrifice simplicity for technicality.
You missed the most important aspect of this topics, Security. I do agree that I tend to choose wallet which more simple, but I wouldn't sacrifice the Security.
You are more likely to lose your bitcoins because of too much technicality than to scammers or hackers. An example of keeping things simple is that instead of storing your Bitcoin in a multi signature wallet that you do not understand how it works or have no experience in setting up, store your Bitcoin in a soft like Electrum wallet where the process of setting up is pretty straight forward.
There is a solution if you don't want to learn the complex technicality, and that is Hardware Wallet. It's very straight forward, you invest your money to protect your fund with better security. If you don't want to invest your money at least you should invest your time to learn more about the security so you can minimize the possibility of your fund get stolen.
Don't get me wrong, I also simple Electrum wallet, and sometimes even Exchange wallet, but only on the case that I need the fund to be quickly transferred or exchanged. But for the fund that you hodl, hadrware wallet is the way.