Not OP, but I find this a very good question. I've always found that playing with the problem in code is how I refined my understanding of the problem. Kind of like how Richard Feynman describes his problem solving. Only by tinkering with the hard problem do you really learn about it.
I always found it strange when people said they would plan out the whole thing in great detail and code later. That never worked for me, and I've also rarely seen it work for those proposing it.
It may be because I studied control systems, but I've always found you need the feedback from actually working with the problem to course correct, and it's faster, too. Don't be scared to touch some code. Play with it, find out where your mental model is deficient, find better abstractions than what you originally envisioned before wrestling with the actual problems.