I see what you mean Jon, thanks.
Hmm, as I'm checking out at altered cart, they seem to have a simplified version of the native 4.1 checkout. Really nice. Namely they collapse all those iterations of billing/shipping/cc address into ONE set of boxes -- the holy grail. Is this something ezcheckout for 4.1 offers too?
https://www.alteredcart.com/cart.php?mode=checkout