If you can be a little flexible on (2), then Beancount hits most of the Holy Grail points. The ledger format is literally text (it is plain-text accounting after all) but there is a query language the works really well.

I end up saving CSV's locally and importing the transactions from there (no hand entry, but I still need the intermediate download step.) I don't find it that too burdensome since I don't have a zillion different accounts.

[This](https://reds-rants.netlify.app/personal-finance/the-five-min...) project (I am not affiliated in any way) claims to automate ledger update even further.

Yea, (2) is always the tough one. Looking at my Quicken, I have 28 active accounts that I regularly (like daily) update from online, and manually finding, downloading, importing, and reconciling 28 CSVs is just not going to be acceptable.

That said, I'll check out Beancount!