This page actually quite nicely describes all the different staking options on algorand: Staking Rewards have arrived on Algorand
Before i go into my take on things, i would like to point out that staking rewards in current form are fairly new addition to algorand protocol (less than a year) and every project is integrating it in their own way.
Here is my take on your points:
1.) Not intuitive user experience
- What you are describing here is interracting with dapp through a wallet browser/integration.
You can do that to an extent via pera wallet browser, i think haystack app is building something liek that also. - i 100% agree, it should be way easier, like it’s done on CEXes with a single click. You can actually stake algorand on binance and few other CEXes that way, although for lower returns.
2.) No Simple, official staking option:
- Official option is running your own node with 30k+ algo.
- Everything else is you trusting a 3rd party, and weighing your risk/reward. Some make it super easy, some make it harder… Do we need more options - always! To me reti pools and myth dualstake are the best user experience right now and are both super intuitive.
3.) I loved the original algorand automatic rewards, most people i know did too, farily big part of them were actually onboarded to algo because of that in-wallet compounding staking…. That’s never returning so no point thinking about it 
4.) Comparison with Cardano:
- There is exactly 0 risk to your algo bag when you stake on your own node or if you use valar solution(obv if you wallet/mnemonics gets compromised that’s another story)
- All other options have smart contract risk, same as with every other blockchain out there.
- I think you are used to how cardano addresses this topic and everything that’s different is learning curve- algo is no exception. Imo it can be all abstracted within wallets (pera/defly)
5.) We need more clarity for the future:
- link at the top is a good start.
- there are also some infographics floating around if someone else finds them and shares that help you determine which option is best for you.
If you end up participating in reti pools consider using cosmic champs one, it has same apr as other pools, below average fee that we take for running it, and we also supplement a bit of extra rewards in our own token on top, to get people interested in our game Link below