How is IPv6 harder to understand? It's just IPv4 with all the uncommon stuff stripped out and put into optional headers (which IPv4 also has), and a much longer address now written in hex.
CGNAT is just a fancy term for NAT done by a carrier. They get a special private IP address range for doing so, but fundamentally it's still NAT.
Now IP multicast, THAT is complicated for humans to understand. Especially the whole subscriber logic.