to generalize:
1. people often over optimize because they mistakenly believe that every feature matters.
2. If your time is worth $50 an hour researching ways to save $40 for an hour isn't worth your time.
3. the harder a time you have deciding between two things the less likely the decision matters. you're having a hard time because the two choices have similar utility.
and of course this is all just a subset of the larger skill of prioritizing in general. I find a useful exercise is when deciding to invest something (time, money) jot down a quick list of other things you could be doing and see if any of them are obviously better.
2. If your time is worth $50 an hour researching ways to save $40 for an hour isn't worth your time.
3. the harder a time you have deciding between two things the less likely the decision matters. you're having a hard time because the two choices have similar utility.
and of course this is all just a subset of the larger skill of prioritizing in general. I find a useful exercise is when deciding to invest something (time, money) jot down a quick list of other things you could be doing and see if any of them are obviously better.