I've "prematurely" split up code across multiple/classes functions so many times before these huge god functions became set-in-stone and unwieldy.
I had a co-worker once who was extremely heavy on YAGNI--and I don't mean that as a pejorative, it was a really helpful check against code solving non-existent problems. They once called me out on a refactor I'd done surreptitiously for a payments flow to split payment states into multiple classes. Serendipity had struck, and I was able to point to a submitted (but not accepted) diff that would've broken the entire payments flow (as opposed to just breaking one state of the flow).
I always think about that every time I question whether I'm isolating code prematurely.