I sort of agree with your statements. Apparently a new release of UM will come out one of these days with many customizable functions.
I recently discovered the power of scripting on UM. Since the GUI doesn't offer you that much, I wrote scripts as follow:
1) to send me daily bandwidth usage stats (in the form of users who reached 50%, 75%, 90% and users who got capped) via email
2) to send me and the client an email the moment the client goes up a percentage level ie he goes TO 50% or from 50% to 75 or when he gets capped
3) month-end script which sends me all clients' stats for that month sorted by their percentage used level, and once the mail has been sent, all usage will be cleared. (currently I'm clearing stats manually just incase I never get the mail). I'm working on rather creating a file output in CSV format and mail the file. If for some reason I don't get the mail (smtp server not reachable etc), I could at least copy the file manually.
These scripts I mainly got working due to a excelent scripter, qnect. I took his script and rewrote it to my needs with great success.
I really wish UM will provide more details you can edit. Currently we use the comment field as a variable to "remember" certain details. If you wish, I could past more info on these scripts. Once I'm completely done with these scripts, I'll clean them up and place them on the Wiki.
I also prefer to use one platform for everything. I even thought of using the Hotspot service, rewrite the entire HTML code in order to "host" my own accounting suite. Unfortunately I haven't done html coding for about 16 years, so I have to learn from scratch again. I reckon the ideal solution would be if MT could open up the source code for UM in MT scripting language. This way you still need a MT license, but you can do with your software as you please. Also more "variables" per user is needed, as it is difficult to "pick" info from the comment field, especially if the length isn't always the same of your values.
The only thing Mikrotik lack, is to send power to your High Sites wirelessly.....