Very little of the stuff physicists came up with in the 19th century was obvious or low hanging at the time. And no your undergrads would likely have never came up with Maxwell's equations on their own.

Yeah, I agree with you on this one. It's kind of easy once you understand it, but it took Maxwell to figure it out. I might not have figured that out in ten centuries by myself lol.

I definitely think it takes a Maxwell to describe the physics behind displacement current (which I think was not around in Maxwell's initial drafts), but the derivations of the four classic Maxwell equations are fairly straightforward multivariable calculus problems that start with fairly simple assumptions. Multivariable calculus was relatively young in his era, but I think a motivated student from the current era could discover it given a summer of thought experimentation.

See for yourself: https://m.youtube.com/watch?v=AWI70HXrbG0

If you want some true genius, behold the shear terror of the near field of a dipole antenna. All shall view her and despair.

For those interested, see slide 4 of section 7: Hertzian dipoles

https://courses.grainger.illinois.edu/ece350/ece350lecture_n...

That's a highly biased opinion. The Newtonian conception of physics is trivial for us, and we can say that most people could come up with the ideas by their own, but that's because our world conception is based on those ideas; it's already implicit in how we understand the world. That's why Newton was so important, there was a shift in the whole conceptualization of the physical world. With Maxwell's equations is similar. The interpretation as waves, the fact that the equations are Lorentz symmetric but no Newton symmetric, etc. All that is free for us, and it is not obvious at all.