That’s the modern version of the saying “everything in moderation.”
In any area of life, you can look for optimization until the search for optimization takes over life itself.
On the other hand, it does not make sense to do things the hard way when there is a better alternative.
The point of diminishing returns is the boiling temperature for optimization.
When the effort expended in creating improvement is greater than the effort required to endure the situation without improvement, it’s time to stop, and reevaluate the situation.
Painting: Sisyphus, by Vecellio Tiziano