We all call for adoption in crypto. IMHO for achieving this crypto should be simple to use, even if it comes to a .csv account statement.
You are right. Things are still far complicated in anything cryptocurrency related.
I was helping a friend from my job to buy bitcoin and he had so many doubts, and the solutions were far to complex.
He had to set 2fa, save passphrase, etc, and he wasn't expecting any of that.
Even simple things like a transaction history can be complicated, as you mentioned.
Howeve, for transaction history I believe the Best solution is still to use a block explorer. It may take some effort to look for all your addresses, but when it's done the next year will be easier to do.