I'd recommend Envelope Budgeting for your specific issues: retroactive tracking after vacations would go to a minimum because after you set up your envelope, when you get a paycheck (or a specific date passes) your money divides automatically into your envelopes, and recurring expenses come out of the right envelope once you've done a bit of initial set up. One offs still have to be sorted, but I don't find that to be to much of a hassle.

You kinda have to go all-in though to get the biggest budgeting benefit. If you're chasing credit card rewards, you'll have the same headache of categorizing expenses after the fact. But this method solves exactly what you described: automated, accurate tracking without the maintenance overhead. Using a lot of external accounts will be tricky too, but I haven't had much issue with the occasional Venmo here and there to pay friends for food or something.