Is this approach that changed my mind [v5]

Posting this here because the relevant subreddit has gotten too noisy lately. Looking for honest feedback, not validation.

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

The trade-offs here are not obvious to me and I keep flip-flopping. Been thinking about this for a while and curious what the community thinks. Mostly thinking out loud — feel free to push back hard.