This comes up in my work modestly frequently, generally with a slightly different scenario for the tradeoff between "complicated and considered" versus "cheap and dirty but gets the job done." e.g. We could spend 3 weeks using feature vectors and backtesting against prior data to figure out what signals accounts which are likely to churn send (for the purpose of proactively identifying them and attempting to derisk t…
I will always pick the cheap and dirty option until the project is at a stage where you have a lot of breathing room. Simple code trumps fancy code in reality where you don't have a large team, and you don't have a lot of time and you need something that works even if it's only half as efficient a solution.
Just do high quality code that will remain maintainable into the future. If the business feels that has too much of a financial or time penalty the business needs to find money to pay for more high quality (slower) developers, or to find a different you.
Don't take someone else's problem / role on as your own to solve - it won't help you or them.