Ask HN: What's missing from customer retention tools?

I've been digging into why so many SaaS companies struggle with churn, and I keep hitting the same wall: the tools that exist either tell you someone left after it's too late, or they're these massive enterprise platforms that take forever to set up. Most founders I talk to are flying blind on retention. They know their churn rate from Stripe, maybe get some usage data from analytics, but there's this huge gap between "user hasn't logged in for 10 days" and actually doing something about it. I'm curious what you've experienced:

What early signals do you wish you could catch automatically? (Like someone stops using a core feature, or their usage pattern changes) What manual work are you doing around retention that feels like it should be automated? If you've tried retention tools, what made you stop using them?

I'm particularly interested in the small-to-medium SaaS perspective. It seems like most solutions are built for companies with dedicated CS teams, not founders wearing 10 hats. What would a retention tool need to do to actually be useful in your day-to-day work?

Thanks!