"Please let me know a good reference I can read."

https://proconnect.intuit.com/proseries/efin-ptin/

"Before you can electronically file tax returns, you must apply to become an Authorized e-File Provider with the IRS and obtain an EFIN."

"Also please know that I really do want to file electronically without having to jump through all the EFIN hoops.

Does Intuit just allow me to file electronically without the EFIN number?"

https://proconnect.intuit.com/community/license-information/help/register-your-efin-with-intuit-befo...

If any of the following conditions apply to you, you need to register your EFIN before e-filing returns:

• You are new to e-filing with Intuit and haven't previously submitted registration.
• Your firm name or business address changed. The IRS requires that your firm name and business address match your IRS EFIN Application Summary.
• You are notified by email.
• You are notified by an e-file reject message, such as "853 Oops! The EFIN has not been registered to your Account!" or "854 Attention! Your EFIN privileges have been temporarily disabled by Intuit."

You do not need to register your EFIN if:

• You don't intend to e-file returns.
• You have previously submitted the Application Summary, you are currently able to e-file successfully, and your EFIN Application DBA name and physical address are current.

As has been noted: when you want to be able to efile as a Consumer (fewer hoops), you don't use Professional programs. Professional programs will run through professional channels.