I think all hardware/software which comes with some pre-configured defaults should at least ask you (when being set up) what level of user you are (of course this might introduce a whole line of new problems to some people...).
Anyway... I'm getting a grip on how this thing works. It basically all boils down to testing various apps and choosing the one that suits you best. Until that point, it's a mess. As far as my flexibility goes it's because I have tons of various files, documents, media etc. on a "real" computer, and most of them are going to stay there until the next major technological change, because there simply isn't enough space on my iPad for all of them (or don't want to carry them around at all times). So accessing a network share is the right thing to do, and FileBrowser seems to be just the right tool for the job. Still testing out various media players -- so far CineXPlayer seems the best for videos -- and various note-taking apps. And I still need to find some adblocking tool (right now only OpenDNS does the job for some hosts).