I do not know the 'right thing to do', but I will share what happened to me in this case.
At the time I sent my application I had 2 bank accounts, and the banks did not want to or could not give me the letters with all the CIC requirements. To make things worse, both banks were bought by other banks within the 6 months period, and my wife's bank account was in a third bank.
I had the same idea as yours about being easier to comprehend, so I explained all this history in a LoE together with all the documents I could gather, and uploaded it in a single PDF as proof of funds.
In my GCMS notes, the proof of funds were set as 'review required' for some time, but eventually the eligibility was 'met' without any ADR. I think the first agent just checked for the bank letter, did not find, and marked as review. When another agent (or the same?) actually read the LoE, it got accepted.