Is unpopular opinions that changed my mind [v3]

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

Posting this here because the relevant subreddit has gotten too noisy lately. The trade-offs here are not obvious to me and I keep flip-flopping. Maybe an unpopular opinion but here we go.

Posting this here because the relevant subreddit has gotten too noisy lately. Not sure if this is the right place to ask, mods please remove if it is not.