Setting up accounts for PSN & Ubi (etc) are not automatic and are 'over and above' just shoving a disk in and therefore are more complicated, regardless of how small that change is. And good luck playing online with an unpatched game...or playing at all on Destiny without being online. Also you are not considering things like game saves...if you want to play your game at a friends house - in the old days you take the cart with you, or memory card on PS2, now you have to upload to the cloud or buy a USB stick and navigate to specific file in the correct location in the O/S and copy across (etc).
Setting them up is a one off, and they exist because they came with benefits that in the past didnt exist. You dont set them every time you wanna play. You do it once when you first boot your console.
All my updates happen in the background while my console is in rest mode.
Regarding Destiny, so what? It has nothing to do with being more complicated, Its an MMO. Its something that was absent from consoles in the past. Its an addition to the traditional gaming experience. The offline/single player experience continues to exist in games like it did in the past. If you want that experience you still have it
Regarding memory saves, rarely do we have the need to take them to someone else's house and we now have the luxury of not having to buy extra cards, and we can make tons of saves in our hard drives. USB sticks are lying everywhere and are dirt cheap if we want to transfer them to another console.
Cloud saves happen automatically
Consoles may be more 'immediate' than PCs but 'immediate' they are not. Don't forget alot of the updates you mention also happen automatically on PCs these days. Game patches, driver updates (etc).
Yes they are. Let me describe you how I game every day.
Console:I switch on console, insert disk/select game, play.
PC:I wait minutes for it to boot up-open steam-select game, play
Lets see the installation process when you first boot up game
Console: Put in disk, select game, wait, games starts, play
PC: Select file to install, go through installation process, select game, game starts, go to options and choose settings that best suit my PC hardware, play game, potentiality to go through settings again and make changes because previous settings didnt give the results I wanted.
Lets see what happens as time passes:
Console: Nothing changes. Games play like they always did
PC: Games play slower, potential crashes and extended loading times, need to make software maintenance to remove unnecessary background tasks, clean up, defrag or potentially format and reinstall OS