What is something people overcomplicate far too much?

[Luca76]

Curious what people here actually think about this.

Part of the reason I asked is because I would rather get a range of actual opinions.

I am not after the textbook answer - more interested in what people would actually do in practice.

The standard advice on this is fine as far as it goes but it never quite covers the situation I am actually in.

What do you reckon?