It’s hard to define a specific brightline, but I’d say you tend towards “complexity from scratch” as you spend time doing things other than making features.
Some people try to write game engines from scratch before actually creating their game. Some people learn & adopt complex frontend frameworks before finishing their project’s landing page. Some people start new projects by immediately building all the abstraction layers they think they’ll need during the project before implementing a single useful feature.
I’ve fallen for each of those at least once, and I’ve seen lots of people doing the same. You’re not going to need it. Wait until it makes sense to justify the hidden time & reliability costs. Wait until you actually know what you need.