Map and Filter are nice because they let you reason locally about a single element in isolation. Reduce(Fold) forces you to reason globally about intermediate results. Reduce also forces you to conjure up a "zero" value of the relevant type, which isn't usually difficult but it does constitute some extra mental overhead.
The accumulator is global state. If you're folding from list<int> to int you're right that it's (usually) effectively a pairwise operation on ints. If the fold is something like list<foo> -> tree<bar> then you have to reason about each intermediate (tree<bar>, foo) -> tree<bar>, i.e. how global state should evolve over time with each update.
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