I sort of agree with this but I also think it fails to mention the problem of over-design: anticipating requirements that will never materialize or any kind of

I sort of agree with this but I also think it fails to mention the problem of over-design: anticipating requirements that will never materialize or any kind of thinking that goes too far ahead causes enormous cost. There's one thing worse than no design, and that's the wrong design (even if, when created, it was a "good" design).