I don't think getting the sponsor letter and the required maintenance is going to be that difficult for you, but that's beause you've already realised that applying requires some planning.
What most people will find difficult is supplying the documents in the required format. That means if a sponsor letter fails to state the expected end date, the letter is not a specified document and therefore will not be awarded 30 points. Similalrly, the financial documents are also very strict, and if you send photocopies, or it's not clear the funds are cash, then again, the application is likely to be refused.
I think the gloom and doom is in part due to the fact that US Students have never been required to provide such detailed documentation before combined with ECOs having no discretion is likely to lead to more refusals, and refusals take a long time, and this will have a knock on effect.