I was turned off by the necessity of using users and permissions; it feels unnecessary for local development and kind of a PITA if you have many repos.

It works exactly as advertised though; my gripes aren't technical.

I can understand that, but it sounds more like an argument in favor of ye-olde CVS than git... Not that I ever have nor desire to manage my own git server, which would involve its own authentication and administrative tasks.

Note: Before some third person pitches in their condescending two cents on the limitations of CVS, nobody here is recommending CVS.