Having been in professional sports: You always work at the edge of your range. You compete relying on the work you've done all those times before.

You cannot develop when you're within your comfort zone.

And the same goes for programming. You must go outside your comfort zone, or you'll stagnate. One of the poor souls who have 20 years experience, but alas the same year 20 times over. You grow because you failed. Over, and over, and over.

If you code at the edge of your range? More senior people will help you get things into a better shape. You don't have more senior people? Don't worry, you'll learn to refactor what you created. You'll curse your past self, but you'll learn :)

If you play it safe, you'll burn out from pure boredom.