So after looking Una over, there seems to be no way in the default setup to add fields to profiles like basic stuff (address, city, state, zip, phone, mobile phone, etc.) unless I'm missing something. Also, it seems a great deal of functionality is lurking in the "apps" most of which require recurring yearly license payments. I'm running a low-budget non-profit club and Una would quickly chew up most of our budget for this sort of thing. Then on top of all that, templates seem to just be mash-ups of the basic Protean theme and again, they cost money. 

Heck I can't even figure out how to change the default "membership" levels to something more descriptive than "standard" etc. OR figure out exactly what they do. 

I'm beginning to think this is a hardcore coders-only platform. Convince me I'm wrong about this.

Definitely wrong bro. When you setup your basics, in the studio you see the "Form Module" open then where you see All Module, click to expand the drop-down, the select your Person Module.

You will see about 7 forms related to Person Profile from Adding to Viewing.

Select Add Person and begin to create your additional fields. Very easy but pay attention to knowing how every feature you see works as it will be useful in many other areas. Hope this helps