Overrated unpopular opinions — am I overthinking this? [v2]

Been thinking about this for a while and curious what the community thinks. Not sure if this is the right place to ask, mods please remove if it is not. There is a lot of conflicting advice online and most of it is from 2019.

Been thinking about this for a while and curious what the community thinks. Not sure if this is the right place to ask, mods please remove if it is not.

The trade-offs here are not obvious to me and I keep flip-flopping. Maybe an unpopular opinion but here we go.