There's no way to formulate this as a set of rules or best practices, each decision has to be made in a universe of context, but I appreciated this discussion.

Something I like to do is funnel the desire to build for something I don't need right now into TODOs and even FIXMEs. Sometimes they just get deleted, but other times I'll come across an old TODO during refactoring and be able to pay down a bit of accumulated technical debt.