No you’re not being a grouch. I’m a reluctant disc user, for the same reasons you outline. I had great braking with dura-ace rim brakes, and now I have equally good, but much fussier, noisier braking. They warp and straighten with the heat and cooling, and make a racket in the wet and mucky weather. You can’t see the wear on the pads at a glance in the way you can with rim brakes. Thru-axles are slower to change, with no standard design across bikes, and often a tool needed where the QR was simplicity perfected.
The only advantages I can genuinely see are:
It’s cheaper to replace a rotor than a whole wheel. If you buy some nice wheels you are no longer buying a consumable. (And yes, I have worn through an aluminium rim, resulting a very big bang!)
Bigger tyres. Which is helpful considering the state of UK roads. But this seems to me no better than those folk who buy ever bigger SUVs to cope with the roads that they’re churned up.