If some things in the rules don’t work for you – that’s OK. Has any ruleset totally worked for you without any niggles? I suspect not. No ruleset written by someone else will ever hit all of your sweet spots and contain nothing you find ‘off’. That’s the same for all of us.
 
Personally, BoL mechanics are the ones I like best, as they provide the sort of games/gameplay I find the most satisfying. I’ve not found the need to graft on homebrewed rules aside from swapping Dex penalties for armour and adding Initiative roll penalties instead; but if you thought that some homebrewing would work for you, then there is nothing to stop you from doing it. I don’t think Simon would come sneaking into your house at night and kill you in your sleep.
 
I’m sure other people have grafted bits onto BoL to make it fit their needs better and if that works for them why should anyone else complain. You could view nearly all of the contents of the Sword & Sorcery Codex (which is double statted for BoL as well as Everywhen) as a collection of additions to the core mechanics. And the Codex is a good example of how to do this – keep any tweaks simple and elegant like core BoL.
 
It is often said that BoL is good for one-shots but unsuitable for long campaigns. As someone who has run many longish campaigns of BoL, Dicey Tales and Everywhen I don’t think this is true. The character start as competent and well equipped by design, but if you are stingy with advancement they don’t get two big too quickly. And Traveller characters have been like this since the 1970s and players of that game don’t seem to mind.
 
Personally, I’ve never found the money rules a problem. If you buy estates, grand town houses or ships with your treasure these things need upkeep. Staff require wages and slaves need food and medical care. Ships need constant repair and sometimes come to grief in storms. So, you have to keep adventuring to maintain what you have. Everywhen has an abstract money system, but I’ve never felt the need to use it. Generally, we find it easy to ignore money in our games.
 
The Min-Maxed character can be a problem, but as you point out, even those can fail in their area of expertise and will often fail if they have to use their ‘dump stat’. The simple fix is not to min-max and don’t play with people who do. And have you never re-rolled a fail and then rolled snake eyes? I have. It hurts.
 
And either you like free-form magic systems or you don’t – and I can see why this is a problem for some people. You can always put together a spell list in downtime if you want, and if that helps you or your players why not try it? In face-to-face play try writing down spells on 3x5 index cards, one spell on each card – this help one of my wife’s players, as he had difficulty coming up with spells on the fly. (I should point out the Codex devotes a good few pages to magic and includes quite a few spells.)
 
Just my two cents. Does any of this help?

As Gruntfuttock said, 3x5 cards are your friends. I mesh bits of Black Sword Hack into my game, usage dice being one aspect that I believe keeps a tab on finances and equipment. I also use the backgrounds and things you can some too for a bit of flavor.