It's convenient except when it isn't
It's convenient in that it makes reconciling accounts fairly easy if you can download the transaction. But not many financial institutions that I use will download during an "update." And even my Citizens Bank credit card won't download at the same time as my Citizens Bank checking accounts because they are on different websites and if you indicate that the credit card is with Citizens Bank, it won't let you tell it do download from a different URL. Actually, the updates used to work MUCH more consistently, but that was my memory from at least 8-10 years ago. What did Quicken break since then without fixing???