Others may see things different but this is the way I see this.
HCl (hydrochloric acid), with small additions of 3% sodium hypochlorite solution (bleach for washing clothes), (chlorox is a brand here).
HCl/Cl or (HCl/bleach) or (HCl/sodium hypochlorite) this generates chlorine gas in solution, as the bleach is a basic solution the acid reacts with the hypochlorite solution to form chlorine gas, which will dissolve gold into the acidic HCl solution.
I feel HCl/bleach works good, but is not as strong or as fast as the aqua regia (two acids mixed together), at attacking the metals like gold or PGM's, it does not take the higher heat as aqua regia can (without forming salts), but adding some water when heating the HCl/Cl you can reasonably heat it to even dissolve the hard to dissolve PGM's.
The HCl/bleach will also form salts easier than aqua regia will, as long as not evaporated too far as to form gold salts, the HCl/Cl forms salts while still fairly dilute, these do little harm and can be washed from any silver that may also form, or if solution is diluted these stay in solution, these salts are byproducts of some sodium hydroxide in the bleach, and the hydrochloric acid, forming sodium chloride salts (table salt) (NaCl) and some sodium chlorate salts can also form in this reaction.
As you have already stated the chlorine gas (oxidizer) in HCl/Cl is much easier to deal with than the nitric acid (oxidizer in aqua regia),faster less trouble, the chlorine will not stay easily in a warm or hot solution, (cold solutions hold gases easily), the nitric acid in aqua regia needs a much higher temperature to evaporate it off the excess nitric acid (below the boiling point of the solution, so as not to loose values), the nitric acid if dilute must also concentrate before it escapes as NOx gases, (adding HCl that contains water, it must re-concentrate remaining nitric in solution before it converts to NOx gas), this concentrated nitric can also be a problem of boil-overs while eliminating excess nitric from aqua regia if you are not careful, at a certain concentration the solution want to release huge volumes of NOx gas at once, if temperature is lowered at this point it will not boil over, but when solution of aqua regia concentrates a careful watch of process, like small reaction bubbles forming to indicate time to lower heat, or just lower heat when solution concentrates, (boil-overs is also a way to loose gold or values), HCl/Cl you do not have this trouble either.
Aqua regia has advantages of faster and stronger reactions, and if you add nitric in small proportions, you eliminate many of the troubles of using aqua regia, that and Harold's tric of adding gold to help eliminate any excess nitric you may have added, Aqua regia has many disadvantages, especially for those who really have not learned to use it (but have read all about it and think they do because some kid on you tube showed them how), base metals in solution troublesome, overuse of nitric acid troublesome, boil-overs loss of gold in the dirt troubles that make you cry, and others, but all of these problems can be overcome with careful study of this forum and with advise from our wise ole members.
HCl/Bleach works best for gold foils (it will work for heavier solid gold, but heating and dilution can be a balancing act to keep chlorine in solution, and get thicker chunks of gold dissolved without forming a large pot of salt or gassing yourself with chlorine gas).
HCl/Bleach is very good for those learning the recover and refining methods, less chance of screw ups.
Aqua regia is still the best for dissolving larger pieces of gold or karat gold in my opinion as long as you learn the tricks of the trade.