An analogy is planning a road trip with a map. The way design docs most are built now, it shows the path and you start driving. Whereas my bosses whiteboard maps "over-planned" where you'd stop for fuel, attraction hours, docs required to cross border, budget $ for everything, emergency kit, Plan A, Plan B.
Super tedious, but way better than using throwaway code. Not over-planning feels lazy to me now
Sure, everyone has a plan until you get punched in the mouth; however, that saying applies to war, politics, negotiations, but not coding.