Single account vs multiple accounts

I use 5 checking and 4 savings accounts to help me manage my budgeting. While I realize I could use categories to keep track of the spending, I just seem to feel more comfortable staying with the multiple accounts. I do use categories for all expenses and income.

Other than the additional time I might need for transfers and keeping the separate accounts updated correctly, am I setting myself up for problems?

I realize the additional accounts may cause more work, but I think I have that under control.

Except for my cash account, I do not do manual entries. I rely on the banks to download accurately – for the year, they have been excellent. I have frequent problems with transfers showing transfer to incorrect or duplicate accounts. This simply means I check on the banks site to get the correct info – or ask my wife for the to and from accounts for the transfers – the bank always has it correct but it seems to be getting messed up moving it into quicken. I just have to be extra careful on transfers. I have the process for correcting the transfers in quicken

Thanks