A very balanced treatment of this subject. I personally take your stance being a solo developer, I use all the tools I can to shorten my development time.

Separation of concerns is important for a large project where different groups work on different pieces of an app, but for smaller apps with a limited expectation of scalability, it’s quite frankly a waste of time and a hindrance. Now if you plan for your app to scale up quite significantly and you want to have others work on it or if it’s an open source project, then that’s a whole other story. But 90% of what I do, I do the fastest way possible with still maintaining a modicum of scalability and always with security in mind.