Totally agree about the fares system being still far too complex for your occasional punter to ever be able to, or have time and inclination to get the best fare available for a particular journey.
My recent experience was trying to get a late deal to Stoke, travelling tomorrow return Tuesday, managed with the
FGW▸ ^5 deal to get it for ^33, with the return leg midday Tue being 12.50.

If I had no option but to travel peak Mon morning and late back Tue it was up in the ^100's, and I think I would have given up trying split journey's long before I found the ideal fare.
Fare engines were no better, as I was offered ^33 from both trainline and other ToC websites none of which were available when I tried to book them.
