Personal anecdata. I have been increasingly aware of my own mental patterns during development and I've noticed that often I've been sitting and mulling over refactoring to some sort of universal solution instead of getting on with the work and getting things done. There are instances when I could've finished the task twice as fast if I would've just went ahead and done it with repeating code instead of thinking of clever ways to DRY it.
Therefore for my personal projects I'm now firm believer of quick iterative building. Just get the first iteration done, get it working and save improvements for later. It may create a bit more work for the future me but it decreases the mental load quite significantly. I'll take less mental load with clear objective (refactor this because this) over more mental load with unclear objectives (make universal solutions taking into account things that may or may not happen in the future) any day.