Yes..I agree...I simply have shares and cash....I have comsec and netbank...( comsec is now an option rather than etrade)
I think most of us here know the nuances and variances of the market so a simple vanilla smsf with administration help would be ok for most....
Mine consists of comsec , cba accelaertor account...for super ( both show in netbank accounts ) ....then pension stage we have a CBA pension account ( no fees + interest ).....Esuper says individual accounts BUT you can have a dual account..just reference each person in both the accelerator to pension account when paying pension amounts ...they pick it up on their data feed as such....