Great answers. I'd just like to add https://github.com/egh/ledger-autosync as an additional solution for bank statement import.

> I don't. After a while I found it's not worth the effort. I rarely make financial decisions based on how much I spent on beers and sandwiches, so most of these little things are just subsumed in Expenses:Cash.

Agree completely - when keeping track of expenses, it is only worth tracking the numbers that matter to you. If it won't effect your decisions, don't bother tracking.