Agree this would work well as it enables the user or use what ever mixture on manual entry and importing bank transactions they find optimal for their work flow.
For a summary of a possible implementation and work flow see
I agree this is the major disadvantage, which is why I didn’t bother to further describe how it would increase user efficiency so increase the value of Manager. Particularly given other limitations of manager I consider more pressing such as Inconsistency in Tax-reporting - #25 by Patch and Improvement to payment and receipt forms and for Managers international appeal working out a way to make localisations work and real support for multi part tax codes Future Tax code structure ideas
For my use case I can just give up on manual entry, so it doesn’t really worry me either way.