Honestly, not such a bad thing. Routers are normally located far from the ideal location in most houses/apartments for good wireless coverage. Usually in the corner of the basement where the coax/fibre/phone lines come in, not exactly a good place to put an AP.

I've been running separate APs for awhile and IMO it's the way to go if you're at all interested in running anything like openwrt/opnsense.

Modern routing appliances are like a vcr/tv combo. You will have a better time if you split the functionality apart. It allows you to change/upgrade pieces of your network infrastructure more easily.