Sometimes a little financial complexity is a good thing

I've found that sometimes people focus too much on making things a simple as they can be, and lose sight of the forest through the trees.  When you focus only on making things simple, you don't always make them better, and can actually make your life more complex as a result.

Personally, I've found this especially applies to finances.  As a result, I focus on making my life better and automating as much as possible, NOT making my financial setup itself as simple as possible.  Here are some personal examples:

Number of Accounts: I've found that having a few more accounts can actually make things much simpler than trying to use one for everything.  I not only have several accounts for different purposes, but have my paycheck autodeposit split between them so I don't have to do anything.

• Recurring expenses: I deposit enough to cover all of my recurring bills, and have them set to auto deduct from this account.  This includes things such as mortgage, utilities, and car insurance.  Everything here is on autopilot, so only thing I have to do is tweak the amount deposited every year or so as expenses change.
•  General checking / savings: This covers the rest of my expected expenses.  I generally deposit a little more than I expect to spend here, and then on occasion will transfer money into my investment accounts if there balance gets too high.  This account is mostly used for paying my credit card (in full), as I funnel most expenses through it for convenience and rewards.  For legacy reasons (when savings accounts actually earned interest), I actually have this going into savings, but have a linked checking account for the rare times I need to write a check or have multiple non-credit card expenses per month.
•  Investment accounts: I have my paycheck set to deposit the remainder directly into my investment account at Vanguard.  Because my pay checks can sometimes be variably sized, this means that I'm always ensuring I have my main expenses covered, but also making sure that all the extra is being put to use immediately to help build my net worth.

Multiple Retirement Accounts:  I'm a big fan on taking advantage of all available retirement accounts and tax credits the government allows, so this is also an area where more complexity is a good thing.

• 401k: Often the best investment you can make is putting money in your 401k. Not only is it pre-tax so the impact on your paycheck is less, but many companies will match your contribution.  Getting an immediate 50% gain is almost always the absolute best way to save.
•  (Roth) IRA: I'm lucky enough to earn enough that normal IRA contributions are not tax deductible, and I'm not eligible for a direct Roth contribution.  However, I can take advantage of the "backdrop Roth".  Putting money that I have to pay income tax on either way into an account that's future earning is tax free is a no brainier for me. 

 Do other people find that adding a little bit of complexity can actually simplify things, or at the least is worth it for other reasons?  What do you do that falls into this category?  I'm always on the lookout for new ways to make my life better.