Overrated the latest update [v4]

The trade-offs here are not obvious to me and I keep flip-flopping. Mostly thinking out loud — feel free to push back hard. Maybe an unpopular opinion but here we go.

Not sure if this is the right place to ask, mods please remove if it is not.

Mostly thinking out loud — feel free to push back hard. Posting this here because the relevant subreddit has gotten too noisy lately. I want to write something more comprehensive about this later but starting with a quick post to gather thoughts.