As I said in an earlier post that Schwab interface is the easiest one to use even though I have a Fidelity account that gets my SS every month and has some dividend paying stocks in it.
I've also had a Dean Witter account ,an Ameritrade, and E trade accounts. I also have a 401K thru my work .
About 10 years ago we were in the same boat with stuff spread everywhere. It was all doing OK but it meant understanding a whole lot of fee structures, doing a lot of assimilation to determine how we were doing and keeping our plan on track. Moved everything to Fidelity and now it's in one place and when you reach a certain threshold you get a very nice amount of personalized help in tracking, planning and measuring.
As you say, your mileage may vary however we are much happier having it all in one place but the important part is to be in the game!
