Yeah, orbital refueling is the really hard part. And also absolutely essential to the serious development of the moon, making it probably the single most important piece of the Artemis program.
For overly complicated though? My first pick would be that the most expensive part of the system (SLS+Orion) doesn't appear to serve any purpose whatsoever. Not to mention the dubious utility of the entire space Lunar Gateway space station.
I can totally understand not wanting astronauts on board during the immature orbital refueling process, but why not just load them up afterwards while still in low Earth orbit, using your choice of well-tested human-rated launch vehicles, and only have HLS go to the moon and back? They're already trusting it to handle the most dangerous part of the voyage, the landing and launch. Cramming the astronauts into a much more expensive tiny tin can for the long, boring cruise to and from the moon, where they transfer to a slightly larger space station, before transferring to the behemoth HLS just doesn't seem to contribute anything to the plan.
I guess we all know the real answer, pork-shoveling Senator Shelby and friends.
Though I suppose there's always the slim chance that HLS could be damaged during the landing or takeoff on the moon just badly enough to still be able make it to lunar orbit and shut down safely, but not make it all the way back to Earth orbit. I can't think of many ways that could happen though - maybe a sufficiently small propellant leak? I suppose a failed engine or two could also make the launch back to lunar orbit require more propellant to make up for the reduced thrust while fighting lunar gravity.
Alright. *Maybe* I won't begrudge the Orion on the first launch or two, though a couple redundant HLS's seem like they would be much better bang for the buck, and could even double as a much larger alternative to the Lunar Gateway station. Focus development dollars on things like modular life support systems, research stations, etc. that can be used in *whatever* shell you happen to have available, and ideally work in both freefall and gravity. Things that will actually continue to be useful once we have established a real foothold in space, with an eye towards relatively inexpensive "mass" production in their design.
You know, as much shade as I've thrown Blue Origin's way, I really hope their impending tests and first launch goes well. If nothing else, having *two* much cheaper and more capable alternatives to SLS should make it that much more difficult for Shelby to piss away so much of our limited space budget on a hopelessly obsolete rocket.
Heck, I don't even care if he wants to keep shoveling pork to the bastards - lets just get them on the hook to deliver something actually worthwhile for our money. At this point, they've got to be at least as sick of dealing with SLS and its finicky Frankenstein launch system as those of us that only have to watch.