Quick poll: long-term planning (2026 edition) [v4]

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

I want to write something more comprehensive about this later but starting with a quick post to gather thoughts. Quick context: I am relatively new to this and trying to find my footing.

Long-time lurker, first-time poster.