I think the point at which we differ is that I actually prefer the "Oh #&@$ Solution". Part of it is to avoid building tools that I never end up using. But even if I do use a tool a lot, I would still rather slow development later rather than sooner.
For example, I'm the only engineer, building an admin tool means product development stops, whereas if I wait until we've hired another engineer it means it only slows down by 50%. Or, if we only have a few months of runway, it's much more valuable for me to work on things that increase revenue or decrease costs in terms of actual dollars than things that make the company more efficient.
Obviously these are contrived examples, but the general theme here is that time now is more valuable than time later. So the further into the future something is expected to pay off, the more suspicious of it you should be.