Overrated this approach [v4]

Posting this here because the relevant subreddit has gotten too noisy lately. Quick context: I am relatively new to this and trying to find my footing. Long-time lurker, first-time poster.

Maybe an unpopular opinion but here we go.

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