Most people have no idea what an optimization fence is and opt for CTEs because they yield "cleaner" queries, despite nearly always killing performance.

I've always found explicit temporary tables, where I can add indexes, are often a great solution for performance and readability.

Do you mean subselects in the SELECT clause or in the FROM? Usually subselects in the SELECT clause have been the source of dogslowness. Reorganizing them into the FROM clause sped up queries 1,000 times. And I thought CTEs were just a way of moving subselects from the midst of the FROM clause to the top of the statement, where they're easier to understand.

I mostly agree. I'd start with the simplest possible query and move from there. I enjoy SQL, but once I start querying large datasets or doing anything remotely complex, the 'right' solution is the one that is fastest. And fast always depends. Typically I have to write up a solution a few different ways, test and tweak.

At least on recent versions of Postgres, CTEs are often equal in performance to subqueries (if they're side-effect free and non-recursive they get inlined).