Don't insist on file-based data ingestion being a wrapper around a json-rpc api just because most similar things are moving that direction; what matters is whether someone has specifically asked for that for this particular system yet.
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Not all decisions can be usefully revisited later. Sometimes you really do need to go "what if..." and make sure none of the possibilities will bite too hard. Leaving the pizza cave occasionally and making sure you (have contacts who) have some idea about the direction of the industry you're writing stuff for can help.