I've kept my Google+ account limited to just friends and family, and I've found it amazingly helpful for them to be added to chat. I used to use irssi+bitlbee, but now I find it easier to just open Google+ and find people to talk to.
Ultimately, I think your Google+ experience is going to be a product of your expectations. I've talked to my family members that aren't computer programmers, and they like all the defaults for Google+. You might not, for the same reason that I run my own mail server -- we're weird, and we're the 0.00001% that doesn't matter to anyone trying to make a product for hundreds of millions of users. (It's why we read HN instead of Reddit or Slashdot: mostly to be different.)
(Another problem might be apathy. Internally at Google, our software is so integrated that it would make Apple cry. Unfortunately, it's all geeky stuff that 99.999% of the world doesn't even know exists. Because we have it so good, we might not even consider the fact that our users aren't as lucky.)