I like the idea of plaintext accounting and have tried a few of these options a number of times, sometimes pretty earnestly, but have never landed on a satisfactory flow. I've always ended up spending quite a lot of time building out the tooling around trying to fetch from now more than a dozen accounts and then munge/categorize things acceptably. In the end, I just fall back to pressing "Download All Accounts" in the clunky-but-serviceable Moneydance (local data FTW).