Not bad at all
It depends on who you ask. Ford VS Toyota. Apple vs Android. For me there's nothing that Victron does that I am willing to pay that extra money for. I work for a living.
MorningStar is a great brand for most things, right up there with Victron other than their AIO's which are really not looking good at all. LFP batteries are really the bee's knees for batteries for 99% of use cases, unfortunately you and I fall into that 1% that makes things a bit more complex.
Ask any electrician who's ever had to work both generation side AND residential and it really is that complicated. The biggest draw to AIO's is that it makes things MUCH less complicated by doing all the work from the SCC, the transfer switch, the inverter, and the AC charger for you in one convenient package.
Much like in the world of PC's, I've made many many PC's buying the exact parts I want and assembling and configuring them myself, but this last PC is an HP because it was cheaper than anything I could build and readily available to walk out the door with. Some tweaks and it handily pwns my old gaming rig that I spent weeks picking the "Perfect" parts for and hours assembling.
Fortunately you've been asking a lot of the right questions and I'm sure your brain is starting to hurt in a good way from too much info. Don't panic, you're doing fine. Now it comes down to that Venn diagram of what you need, what you can afford, and what you want. There is some overlap in there hopefully. ?