I don't think it is making it too complicated Mike. Honestly I think it's just the fact that you don't really do much trout fishing correct? Because when it comes to trout they are picky little bastards. Fishing for bass & panfish (don't get me wrong I enjoy it a ton) but it is a totally different ballgame than trout. You can have a line that is not the most supple line and it honestly won't make a difference at all for them. They actually are attracted to drag which is one thing a bit stiff line causes. Especially in colder water.
Trout on the other hand, especially in cold no kill moving river type waters like here in Michigan. They have seen it all and even the slightest hint of drag and they will not even think about taking a fly.
So with that said I still firmly stand by the fact that a low quality line, especially in cold trout water, will in fact cause issues for you that a good quality line wont.
Let me put it in terms that will make it easy You're a marine motor tech so here. If you just want to go out and catch some fish on a local pond, a 1960 35hp pull start evenrude will get ya out there and do the job for what you are doing right? Now lets say you want to enter a bass tourny on a huge lake and you'll be moving all around covering many miles of water and constantly starting and moving. Now a new electric start 115hp will be a much better job right?
So it's not that you "can"t fish with a cheap line for trout, it's just that spending an extra $30-$40 will get you a product that will eliminate a bunch of issues the lower cost product has and make your day much more enjoyable.