Fourth Annoyance: Payee name matching is not as smart.
When importing transactions, YNAB frequently fails to identify and auto-rename payees that we use all the time. Things like our favourite grocery stores and gas stations still often show up as, say, "ALDI STO#4187" and without an assigned category in imported transactions.
In YNAB 4, there was a place to configure the auto-renaming and categorization so that you could say "if the payee contains 'ALDI', rename the whole thing to 'Aldi' and always categorize it as 'Groceries'."
The new YNAB gives you no control over this and attempts to memorize how things get named and categorized without any help from you. It gets it right about half the time.
I don't care about not having control if the software can consistently do the right thing. Maintaining auto rename/categorize rules was a pain in YNAB 4, anyhow. But at least it was predictable.