I'd rather spend more time understanding things up-front and have a reliable solution rather than flick a switch and have something which initially works but I'm not too confident in. That's fine for initial development I suppose, but not in production.
Are we really that scared of 'research'?
You've missed the main point of why we use MongoDB. We use it embedded in our product and it's up to our customers to configure HA if they need it. Sure, we document the process for configuring it, but the simpler it is, the less likely a customer is going to have a problem with it.
I would agree with you if it were a database that we maintained in-house, yeah, it's certainly doable. But my main point is that this has to be done in the field at customers who are just trying to use our product.