Is there an actual definition for being "over-built".....
I say no. It's mostly subjective, but after attempting to fly the rocket, it can get objective.
I can build a Big Bertha with TTW fins. To do so, I'd slot the tube for the four fins, and include fin tabs on the root edge of the fins. The fin tabs would be something like 7/16" x 3.25" x 1/8" of balsa, i.e. four little extra strips of balsa. Big Bertha crawls off the pad on an A8-3, but so has any Big Bertha on an A8-3. It flies great on B's and C's.
Did I over build the Big Bertha?
OK, so I decide I want to beef this model up. I reinforce the fins with paper, replace the shock cord with 100-lb. test kevlar line, and add a 15" rip-stop nylon 'chute. It doesn't fly too well on an A8-3 anymore, mostly because of the heavy chute. A8-3s in a Big Bertha suck anyways, so I'm going to stick with B's and C's from now on.
Over-built yet?
One of the fins somehow breaks. So I replace the fin, and apply 3-oz. fiberglass and epoxy to all the fins. That ought to work. Still flies nicely on B's and C's.
Over-built yet?
I finally want to paint the Big Bertha, and I want to make it look all over as nice as the glossy, slick fins do. So add some beefier, more rounded, fin fillets with epoxy. I fill all the body tube spirals with Bondo. I apply about 8 coats of automotive primer, wet-sanding between each coat, followed by about 3 coats of gloss enamel. Takes forever for the paint to dry. Somehow, it feels heavier. I definitely prefer flying it with C's, but it works best with C6-3s.
Over built yet?
I want to move up a step and send Big Bertha into orbit. So I rip out the motor mount and replace it with a 24-mm motor mount with paper centering rings and fly it with an E30-7. Motor flies through the Big Bertha, blowing out the parachute, which brings the model down so the parachute snags on the end of the launch rod. Dang. I replace the motor mount with 24mm heavy tube and plywood centering rings. Now it flies great!
Over-built yet?
I can continue to evolve this model until I am flying a carbon/kevlar wrapped Big Bertha with G10 fins and 38mm high power motors at Mach 2. At what point is it over-built? I don't know. Maybe if I still expected to fly such a thing with B6-4's, it's over-built. But that would be kinda dumb, wouldn't it?