> I’m too afraid to use non-ASCII in filenames much.
I suggest installing a fresh Linux distribution with e.g. bg_BG.UTF-8 locale and playing with it, especially with XDG directories like "Плот", "Свалени" and "Документи", and apps that should use them by default. Everything should Just Work™.
Although I admit that when reporting bugs for apps that can't handle non-ASCII paths, the responses from the developers (unless they're themselves from non-English speaking countries, but sometimes even then) quite often seem to be very thinly veiled "I can't be bothered to figure out where I botch things, why can't you just speak English like all reasonable people".