I’d thought about this a couple of times after seeing people get confused over which route to take, or why 2 transactions appear on banking screens. It may be worth explaining the 2 routes in more detail in the KB, so e.g. if you upload all bank statements then you don’t really need to log payments from invoices directly.
There’s also Show Matching Bank Transactions Before Tagging from Receipt Hub which I don’t think has been been touched yet? Just changing the button text to search for transactions would be a good start there as it is currently misleading.