My grandparents had a wooden barrel underneath the downspout of their house, with nothing special. If you are using it to water plants, then having leaves and other things get in is actually benificial. It decomposes in there and makes “compost tea”, adding delicious nutirents for the plant to the watering mix.
My mother just has some metal trashcans by the front door positioned under where the gutter leaks. She leaves them open except in summer, but then she doesn’t really care if it dehydrates away too much. It never has, because after the water level does down about halfway the sun doesn’t penatrate any farther into the can. My mother wuld love to install a better system to collect drinking water.
Which is really what all the more complex systems are about. If you aren’t going to drink it yourself, then you don’t need complicated systems meant to insure the purity of the water.
Me, I just put my plants where the rain will fall directly on them. I barely watered my garden at all this year and got decent returns. When it rains I put the potted plants outside.