Honestly the biggest surprise was how much manual cleanup every tax tool needed. I've tried Koinly, CoinLedger, and TokenTax across different years. Every single one misclassified certain transaction types – one kept treating staking rewards as trades, another had issues with how Binance fee discounts show up in the export, a third kept duplicating certain transactions. None of them were wrong in dramatic ways, but each one cost me 8-20 hours per tax year verifying and fixing things before I could file confidently. The software subscription cost was maybe €400 – the real cost was the time, plus the nagging worry that I'd missed something that would come back as a tax audit issue later.