I agree with the sentiment of your concern as it is a shit load of info. Only part I would disagree with is that nobody explains it. Depends on your realtor of course but mid-pandemic lockdowns my realtor sat down with my wife and I and went page by page, all printed out, and explained everything. Stopped periodically to see what questions we had, and even light heartily quizzed us. He showed us where he was making money, where the bank makes money, what was likely to happen the moment we signed with the mortgage (sold to a different lender), and where our risks were.

It was a lot. And I don't look forward to it. But in a day and age where anything can be searched online at your fingertips due diligence is expected by both parties and I felt comfortable going into the closing feeling we had covered most everything.