Is it me or the elephant in the room is : you can't augment regular "cd" functionality for autocomplete (for example via fzf) without resorting to super intrica

Is it me or the elephant in the room is : you can't augment regular "cd" functionality for autocomplete (for example via fzf) without resorting to super intricate bash code ? And so one has to introduce a new command to "replace" cd ?