Ok, so now I can actually use Actual Budget.
So far:
* Keyboard shortcuts, but not for reconciling, which is the one shortcut I use all the time.
* No budget targets/goals, although YNAB's implementation is so strange I'm not even sure that's a bad thing.
* No differentiation between account types, other than on budget or off budget. Don't think I care.
* No budget categories for credit card payments, which I think I prefer.
* Seems to have more interesting/flexible reporting, including report dashboards you can set up.
* Seems like it will pick up on reoccuring transactions, which is something I liked in Lunch Money but YNAB does not have.
* No mobile app. You can save to homescreen which kind of works offline, but only if you're launching it on the local network frequently. Otherwise things get out of sync.