NanoPEB, PEB, DM, EB, EA. Is running programs on the TI *really* this hard?

I have a small Ti99/4a collection to play with. I used to have a PEB, but sold it to another enthusiast and got a NanoPEB instead. However, I still have the same problem. Why does disk management and loading programs have to be this hard? I mean, I have experience with most of the other classic platforms and the TI is by far the hardest to use. I really need separate Disk Manager II, Extended BASIC, and Editor Assembler carts to use it? There is seriously no way to get a disk catalog

Here is a catalog program that runs in TI Basic, so it does not matter what cartridge you have plugged in: 100 CALL CLEAR 110 DIM TYPE$(5) 120 TYPE$(1)="DIS/FIX" 130 TYPE$(2)="DIS/VAR" 140 TYPE$(3)="INT/FIX" 150 TYPE$(4)="INT/VAR" 160 TYPE$(5)="PROGRAM" 170 INPUT "MASTER DISK(1-3)? ":A 180 A=INT(A) 190 IF A<1 THEN 170 200 IF A>3 THEN 170 210 OPEN #1:"DSK"&STR$(A)&".",INPUT,RELATIVE,INTERNAL 220 INPUT #1:A$,J,J,K 230 DISPLAY "DSK";STR$(A);" - DISKNAME= ";A$:"AVAILABLE=";K;"USED=";