Absolutely agree with you on this Les. That's how I see it too. The client facing "new" SOA document might shrink down a little bit, but you're still going to need a very robust record of your advice construction method to "show your workings" when AFCA comes knocking.

Personally (and this is a pipe dream) I'd like a body like the FAAA to have a comprehensive library of IBR material that we could use in our existing SOAs (with the explicit blessing of our regulatory lords and masters) and shift away from the idea that a client needs to understands every minute detail of a recommendation, rather do they understand the substance of the recommendations, the major pros/cons and reasons why the advisor thinks they are appropriate.

That way you could have a pension commencement rec (for e.g.) that would look something like:
"We recommend you commence a pension with $X of your balance in your Y Super Fund, and drawn a pension of $Z per month in order to A reason, C reason.
For more info on conditions of release and accessing super refer to link 1
For more info on pensions refer to link 2
For more info on income streams and Services Australia benefits refer to link 3"

I try and educate my clients and take time to present an SOA because there is so much to try and file note to record proof of their understanding. But I feel that a better balance needs to be reached for the cost of advice to actually come down. You can take out a $1m mortgage with a bank and they don't even have to check that you understand how compound interest works! I feel that advisors are at the extreme opposite end of that education spectrum when it comes to trying to navigate legislation with AFCA always backing the client as their default position.