IMO, premature optimization doesn't apply to cases where you are making general decisions about policy or defaults, otherwise you can get into a "death by a thousand cuts" situation where none of your functions are slow individually but the whole program is slow (i.e. big overheads). To me, premature optimization means don't optimize a specific function unless you know it is slow. I'd also say that premature optimization doesn't apply in cases where both alternatives are equally easy to write.