Details. If someone can provided a detailed analysis explaining that it's very likely we'll need feature X in the future and it's more efficient to architect i

Details. If someone can provided a detailed analysis explaining that it's very likely we'll need feature X in the future and it's more efficient to architect it in now then slap it on later, that's planning ahead. If someone wants to do something just because of a vague one-liner about "future needs" or "best practices" and when you press them on why they don't really have any coherent reasons, that's over engineering. It's typically mediocre engineers who don't really understand the concepts and are just applying a formulaic solution.