I believe that most of us hobbyists, or at least me, are not smart enough not to overbuild. At a high level, not to overbuild would involve a lot of different levels of expertise in disciplines in engineering, as well as and tests to validate what the minimums would be.
I have read some threads where people have taken shots at over builders, which I am most definitely one of, but I think most of them are kidding themselves if they think they are at that professional level not to overbuild.
So it comes down to degrees of overbuilding, but who is to say that their idea of over-building is right and someone else’s is wrong.
I agree with Nute, build it the way you like it.