Daily thread: beginner mistakes I keep coming back to [v2]

I want to write something more comprehensive about this later but starting with a quick post to gather thoughts. The trade-offs here are not obvious to me and I keep flip-flopping.

Long-time lurker, first-time poster. The trade-offs here are not obvious to me and I keep flip-flopping.

Spent the last few weekends digging into this and the deeper I go the more questions I have.