I came across the following quote in Ellicott’s Commentary on 2 Corinthians 5:20. His basic point is: keep it simple. Watch out for theories and elaborate theological structures. Don’t miss the main point, which is that God loves you and sent His Son to provide all you need to be reconciled to God. Don’t confuse the simple beauty of that.
It will be seen, in this conclusion of the language of St. Paul as to the atonement, how entirely, on the one hand, he recognises the representative and vicarious character of the redeeming work of Christ; how entirely, on the other, he stands aloof from the speculative theories on that work which have sometimes been built upon his teaching. He does not present, as the system-builders of theology have too often done, the picture of the wrath of the Father averted by the compassion of the Son, or satisfied by the infliction upon Him of a penalty which is a quantitative equivalent for that due to the sins of mankind.
The whole work, from his point of view, originates in the love of the Father, sending His Son to manifest that love in its highest and noblest form. He does not need to be reconciled to man. He sends His Son, and His Son sends His ministers to entreat them to be reconciled to Him, to accept the pardon which is freely offered.