Inventory management has been one of the long standing issues with DDO. There is no account level search function, and even the individual character bank search is buggy in terms of level and item names. It's a bit silly that a 3rd party can develop an external inventory management tool that spans not only multiple characters, but also multiple accounts, but SSG can't/won't. It's not a solution, but having a dependable, in-game inventory search feature would make juggling of items less of a pain before and after transfer.
That being said, I've been playing since beta and have a ridiculous amount of gear because of all the reasons everyone has mentioned. I also admin that a lot of it was absolute garbage. Blindness Ward goggles of Remove Blindness was funny 10 years ago, but the jokes over. After ditching all that un-named and duplicate gear I've accumulated over 19+ years, I feel like I just left the dentist after a cleaning. It was a bit painful, and I still have to do it for 3 more accounts, but it feels good.
Thanks to SSG for the efforts. Like the game itself, it's not perfect, but whatever you're doing has kept me playing for this long, so as long as you don't completely nuke the servers, steal my money, or prevent me from obliterating kobolds, I'm okay.