On the other hand you have projects with incredibly detailed architectures all mapped out, way too much time discussing / planning / envisioning what to build, when to build it and how best to go about it. Not a single one I can think of actually followed the plan (you will always get kinks in the road), and as such these things are always over due and over budget.
I guess it's more about finding a balance with what works - perhaps keep an end goal in sight; with a simplistic high level overview of the project/feature, thus giving you the freedom to move around any problems that may arise, but also not tying you down to a detailed plan / architecture that almost certainly will need changing. Iterate fast, stay flexible(?)
But one thing I definitely agree with - and that's to get started immediately; whether that's to plan or to code - just start. It will always take longer than you think, and that last 10% is equivalent to first 90%, if not more.