Too many systems to keep track of.
What did I end up becoming a fan of? Prometheus + Grafana. Sounds intimidating, but since I have a pretty similar set of environments it was no trouble.
Keep in mind
When making a user there are a few things to consider. How many users will use this system? Is it purely headless or occasionally graphical? Is it a physical machine?
You should prefer general usernames without personally identifiable information.
Security considerations
Adding a user is like building a door on the outside of your house. The most common entry is the front door ie: /home.