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All the flexibility of choosing so many different vendors to interact with, presents the opportunity for none of them to choose to work together.

With iTunes, I can have my music wherever I want on my devices. I pay the price for the right devices because they solve this problem for me. Mixing work and personal life is going to happen. The question is whether you are doing it because it's work, or you're doing it because it works. Task specific Apps are what makes things work well. Certainly, single login that locks the economy to the data and apps, can be challenging, but in the end, if you want them to stay separated, then keep them separated.

With iOS and the Apple app store, you can use separate usernames and passwords for each app, and thus have a different iCloud account associated with that data. I find it easy enough to do this, and keep my stuff separated, yet all together.