Daily thread: late-night thoughts — am I overthinking this? [v3]

Looking for honest feedback, not validation. This came up at a meetup recently and the room was split, so curious what the broader community thinks. The trade-offs here are not obvious to me and I keep flip-flopping.

The trade-offs here are not obvious to me and I keep flip-flopping. There is a lot of conflicting advice online and most of it is from 2019.

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