Agree - this is ridiculous. I have Quickbooks Desktop 2020 which I didn't use since I switched to QB Online. Now trying to follow the steps below, which failed each time I need to use migration tool to import into desktop version.  It is not even clear whether I should upgrade Desktop 2020 to newer version or not.  

https://quickbooks.intuit.com/learn-support/en-us/import-or-export-data-files/export-and-convert-you...