It’s not about overcomplicating things.
We all build for clients. Clients need assurances. I can’t have something that is documented not work the way it is implied. My next set of apps have to go through government scrutiny. I barely scraped by with my last government funded app in regard to security.
We all also build with cost considerations. While I do not fret the nitty gritty WU costs, I always plan for the bigger picture. Costs can also come from external services. Costs also include my time. If a simpler approach can save me any of these costs, I’ll go for a simpler approach.