Profit First, YNAB and QBO

I'm brand new to QB, but I am very proficient in YNAB as I have been using it to budget for our personal finances for about 15 years.

We just started a new business, and I was very intrigued by the Profit First methodology, especially since it mimics the YNAB virtual envelope methodology.  I love having preset percentages/goals and taking income to distribute into those areas.

So I am trying to integrate these into Quickbooks and coming up on some hurdles.

1. I absolutely refuse to open 5-7 bank accounts per the PF method - for one thing, as the account is drained dry for disbursements or bills or what have you, it will cost us due to having a low balance (yes I am aware of fintechs that may have free/low cost business accounts, but call me old, I want to be able to talk to our account manager), and for another I don't want to drive our CPA to drink due to the number of accounts and transfers.

2. So right now I have a checking and a savings.  Under the checking I have 4 sub-accounts for Profit, Income Tax, Owner's Comp and OPEX.  Under the savings I have Profit-Savings and Sales Taxes (tax collected on services).  But what took me very little time to set up as a new budget in YNAB, this is giving me a bit of a headache trying to put into practice on QB.

So my first question is whether anyone who understands/uses YNAB, Profit First, and QBO is using it successfully (or has a successful routine) they can share with me?