To continue your car analogy Simon bought the 32 cylinder Atmel/Microchip car and just assumed it would have a AM/FM radio but they cheaped out and it's AM only.
You nailed the problem. Thing is that 32 "cylinders" does not guarantee anything. We talk about SAMC which is Cortex-M0+ based ARM - chip class where most of the bloody price competition wars happen. This class is so price-optimized that you have to read specifications well because in car analogy there could be no passenger seats nor wheels included.
That's why stm32 community make so many designs using overkill stm32f4 chip - because it is packed with virtually everything stm32 chips can have. When you are finished with your build and understand kinds and number of peripherals you need, RAM and FLASH and CPU resources - then you look at the lower series of the stm32 chips.
When you lived all your life in the Arduino world and suddenly wake-up in front of Mouser ARM MCU page which has 11137 various offers (today), you have to think why it is so in free market where offer is consumer-driven.
Yeah, STM timers are not the greatest either, so I would not be too excited here. There will be different kinds of complaints, but there will be plenty.
LOL, yes. You may solve timer capture register count problem but run into another
[edit] For me most annoying stm32 problem is - clock subsystem. Try to run ADC directly from crystal oscillator source while PLL with it's **ing jitter is running - you can't.