>you're going to end up with a system you don't 100% understand very quickly
This has been my experience with all software projects. Even if I wrote all the code, my understanding of how everything works and fits together decays.
( See the Forgetting Curves https://en.wikipedia.org/wiki/Hermann_Ebbinghaus )
Yeah, that's a fair point. I have plenty of older projects where I no longer understand how they work despite having written the code myself.
I guess the key thing is that you need to be able to demonstrate to yourself that you understand the code at least once, because that means you should be able to revise how it works in the future.
You also can't evaluate if a solution is fit for purpose if you don't understand it.