Overrated late-night thoughts [v5]

Quick context: I am relatively new to this and trying to find my footing. Looking for honest feedback, not validation.

Not sure if this is the right place to ask, mods please remove if it is not. The trade-offs here are not obvious to me and I keep flip-flopping.

Maybe an unpopular opinion but here we go. This came up at a meetup recently and the room was split, so curious what the broader community thinks.