I tend to agree with you. I believe it is the work of a lifetime, if one is not a truly dedicated darkroom specialist, to simply master one film and one developer. It is fun to experiment with different films and developers, and to play around with times, temperatures, dilutions, and the like, but I cannot claim that my fiddling about amount to mastery or even journey-level work.
On the other hand...
If I had but one film and one developer, it would be Kodak Tri-X and D-76, and I truly believe that not much else is needed for the majority of situations - if you become the master of all that can be done with these two components. Naturally, this would involve taking the film and developer significantly beyond simply what is on the inside of the Tri-X box.
To the side-issue about films not being what they rated at - I disagree, this is untrue - in the sense that manufacturers spend a great deal of time selecting the ISO value of a film they create, the less to annoy photographers by intentionally steering them towards wonky exposures. However, it can also be fairly said by anyone who understands exposure ratings that they are, for the most part, utter crap. Film has no 'speed' in the sense that it cannot correctly expose every portion of every possible scene which a camera meter says it can. There is no 'speed' as an absolute, only as a relative measurement of overall sensitivity to light. However, we accept this and use a very general meaning for film speed. Generally, an ISO 400 speed film will behave thusly for this sort of indicated exposure, and etc.
But again back to the point - I generally do not push or pull intentionally if there is a known film I can easily obtain that is already rated at the speed I wish to be exposing. If I find myself without the necessary film rated at the speed I need, then pushing or pulling become the manner in which I might make an acceptable exposure where otherwise I could not.