There's two things there - the complexity of engineering the cluster itself, and the complexity of using it.
The former is where the pain is. If you can remove that pain by using a reliable managed offering, it changes the perspective a bit.
The complexity of using it is also non-trivial - you have to learn it's terminology and primitives, understand the deployment and scheduling model, know how volumes are provisioned, aggregate logs, etc.
However, the ROI for learning that complexity can be pretty good. If you get comfortable with it (maybe a month or so of learning and hacking?) you get sane rolling deployment processes by default, process management and auto healing, secrets and config management, scheduled tasks, health checks, and much, much easier infrastructure as code. Which means if things do go really sideways, it's usually not that hard just to stand up a replacement cluster from scratch. With a bit more reading and some additional open source services, you get fully automatic SSL management with let's encrypt too.
All that said, I absolutely agree with you in principle. No one should overcomplicate their deployments for no benefit. It's just worth reflecting on what those benefits are. Kubernetes had a bunch of them - and whether they're worth the effort of getting to know it depends very much on the system(s) you're running.