I agree with you on all of this, but a couple of comments:
I have had two SSD's and both caused issues for my PS4 (one OG, one Pro). Freezing, system crashes, randomly shutting off. Both SSD's were on the "approved" Sony list too. The second time it happen, I disconnected my SSD and factory reset my Pro. No issues since. Hopefully they fix any issues on the PS5, but I wont be buying an external drive until I see some real world results.
The download time on my PS5 has to be 3-5 times faster than my PS4Pro for whatever reason, so while only have a few games does suck, at least I am not usually waiting a whole night.