When I started to track my finances I quickly ran into limitations with just a spreadsheet, and also didn't feel like any of the existing options fit my need. I agree that for most (all?) people this level of detailed tracking is probably too much, but it doesn't take that much time for me.
I ended up making my own app https://github.com/VMelnalksnis/Gnomeshade. I also felt similarly regarding accounts, so I split transactions into two parts - transfers and purchases. That allows to handle multiple currencies, and handle categorization separately from accounts. I haven't looked into suggestions like you mentioned, I went with trying to parse receipts for my most common purchases.
I created https://github.com/VMelnalksnis/Gnomeshade for myself, transactions have separate transfers which are between accounts, and purchases, which allows to categorize your spending. This setup also allows to easily handle multiple currencies.
The UI is definitely not as polished as the other alternatives listed, but I made my own because at the time Firefly was not exactly right for me - https://github.com/VMelnalksnis/Gnomeshade. It can automatically import transactions using Nordigen, or you can upload a file exported from your bank if you don't want to use a third party service. It also supports multi currency transactions, and sharing accounts between multiple users.
I ended up making my own app https://github.com/VMelnalksnis/Gnomeshade. I also felt similarly regarding accounts, so I split transactions into two parts - transfers and purchases. That allows to handle multiple currencies, and handle categorization separately from accounts. I haven't looked into suggestions like you mentioned, I went with trying to parse receipts for my most common purchases.