If you don't use the SDK, how can you judge anything as being "overly complicated"? I mean, I don't know about you, but, last time I checked, signatures, certificates, security and all that stuff IS SUPPOSED to be super complicated because it's a subject with a very high inherent complexity in and of itself. The SDK exists and is well designed to precisely shield you from said complexity.
If you deliberately choose not to use it or can't for some reasons then yes... The complexity will be laid bare