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They could explain things better, you are right. I actually think I remember having almost the exact same confusion a few years back when I started. I still have two keys stored in my pw manager, no idea what the other one is for…
The decryption has gotten much more reliable in the past year or two, I also try out new clients a lot and have had no issues in a long time. Perhaps you could give it a new go, with the info that you use the same key for all sessions.
Imagine if all the people who prefer systemd would write posts like this as often as the opposition. Just use what you like, there are plenty of distros to choose from.