Leslie and I are obviously of the same breed of mammal. I hate change as well. Well actually, I don't mind change if it makes things better. I hate change for the sake of change.
I use QuickBooks software but not their online service. I do find QuickBooks to be very simple and the payroll to be quite easy on the software. No clue about online stuff.
I guess, at least with AC, you could keep it like it was (v4) but with an online service, your stuck with the change.
I feel your pain. v4 was so good.