Have you tried what I'm talking about, i.e. prototyping something by specifying the types and iterating on the core design first before implementing large chunks of the required functionality?

It's probably hard to see the benefits without having tried it first.

This [0] is one of the bigger Clojure projects I've done (around 2.5kloc), also without spec/schema, and I really didn't dare refactor much, even when having a clear understanding of how things could be done better. It was just too much work.

With types I'd go through 10 design iterations before settling for something I'm satisfied it, and even halfway through the project changing things radically isn't a problem (I've worked on a 50+ kloc Haskell backend service, and changing core data structures used pervasively throughout the codebase was a 10min job, literally.)

[0] https://github.com/pkamenarsky/tellme