We still have more work to do in this category, but basically the key is to provide safe and sensible defaults that work for everyone and tuck away the more advanced functionality on secondary screens.
Not everyone is going to care about what hops they use when making a payment, for example, but advanced users should be able to do so.
Shouts to our designer who's been helping out heavily in this department - I'm not great at UI/UX, but I'm learning