When you completed your type rating PACE you would have flown a sim for quite a few hours and that sim was considered as good as flying the aircraft.
Human factors comes into this and I would really wonder why a high time commercial pilot with no Cirrus time would balk at the investment of 10 hours to really understand a new aircraft and it's systems ? In my experience for most pilots new to the type (whatever their hours or experience) it is a sensible investment.
And yes if you have been flying a similar type with same avionics then you should pick it up faster but if the insurance states 10 hours on type then 10 hours on type it must be.
Seems like you are experiencing a much needed reality check and finding it a bit annoying