I don't find the seat an issue, unless i forget to tilt it up. I usually do, since prior to about a month ago my tractor was stored outside and I didn't like have a wet seat, so out of habit it's flipped up.
Filter locations, well, the BX has 2 fuel filters, one is in a really bad spot, IMO.
Now, on cars, my wife's subaru. The oil filter is between two exhaust manifold tubes. good luck getting that out if those are hot. Now, i like the oil filter on my tundra, just hate having to remove the skid plate every time.
Headlights - on the subaru you pretty much need to remove the assembly from the car to change the bulb (yeah, there are directions to do through the wheel well, but your arm need about 2 more joints to get through all the angles). To remove the headlight assembly, you have to remove the bumper. I had to go through all of this because her car kept blowing bulbs (no matter what type), and the last time I changed the bulb I broke the wire retaining clip. No fixing that, you have to replace the entire assembly. Ugh. Since I had the front end out, I switched her low/high beams to LED's, no issues since.