Why doesn't anyone talk about SEC filing when raising with SAFE? And also what's up with non-accredited investor law? [I will not promote]

First-time founder here, trying to navigate early stage funding. I've watched and read tons of content on raising early money with SAFEs, including many by YC itself, and they are all like "Yeah, it's super easy. Just sign the document, take the check, and then get back to building your thing." But none of them have said, "oh and don't forget to file Form D within 15 days". Why? Also after digging into it more, it looks like you can actually raise from up to 35 non-accredited investors. Yet the blanket advice in the startup world seems to be "only raise from accredited investors". Are the additional requirements for those non-accredited investors just too cumbersome?