It is easy to write a test that executes code without actually testing anything. I use coverage to find code with no tests all at, and write tests for that code. But once it is "covered" the coverage report is useless. In interpreted languages (ruby/python/etc) coverage at least tells you if there's a syntax error before running it in production, which is useful. Test first also improves the quality of the tests just…
I found TDD useful for a well defined problem or an agreed-upon API. For apps for example, especially those not well defined and designed as-you-go, where the designer and PM might change their minds frequently after toying around with the app or getting user feedback, TDD is a lot of overhead and tests after writing the code are primarily useful for preventing regressions when somebody else changes your code.
Doing so would actually make your life a lot easier when it's time to alter functionality, because now you have well tested and testable code. Code that is written to be tested is usually a lot easier to reason about, to change and extend.
If you do it in concise manner and test behavior rather than implementation, what you previously thought of overhead will actually speed you up.