If you go back and read your original post, your goal was to replace your Plain Old Telephone Service (POTS) with the closest VoIP equivalent. We described how to do that, with the least amount of effort or opportunity for error.
Obihai's product line is designed to appeal to, and to be successfully set up by, several types of users, with a choice of interfaces. There is no one best method.
The OBiTALK web portal is geared toward simplicity of basic setup, while also offering access to "expert mode" advanced settings. It also supports a provisioning API for SIP VoIP service providers, to emulate the sort of "hands off" setup and management performed by large cable companies, or pure-play VoIP providers like Vonage. Obihai isn't "tweaking" or changing configuration settings remotely. The only thing they do is push firmware updates, if you so desire. This makes sense for the users in this scenario.
SIP ITSPs have always faced a problem: They can offer metered (per-minute, or buckets of minutes) outbound calling, with open SIP credentials that can be used on as many different SIP user agents (hardware ATA or softphone) as the user desires. Or, they can offer "unlimited" (subject to anti-abuse restrictions) calling, on a device with locked-down SIP credentials, to try to protect their service from fraudulent usage (one paid plan, being used by multiple users). The managed ITSP offerings via OBi were designed to help ITSPs with offering various service plans, optionally including a locked-down option for unlimited use.
The perceived security risk of using the portal is insignificant, as long as you use strong passwords for your OBiTALK portal account, and for your device admin, and for your SIP registrations.
The OBi device's local web server interface is geared toward technically-competent individual users, "enthusiast" or "hobbyist" users, and to business or carrier service providers, who want or need to create and maintain custom digit maps, dial plans, and other advanced options.
Again: you wanted "set it and forget it" service. I think we've given you that solution. It's your choice.