I kinda like what you are saying, but it's not that clear-cut in my experience / skill-level.

One can write code that would work correctly, but trying to express the types as precisely as one would like may be painful and doesn't necessarily be productive.

Sometimes when I feel it is cumbersome to express my intent in typing, I may feel satisfied enough to make a runtime check, (and perhaps add a note but depends...). Especially if that functionality is used in scoped area (e.g. module) and not exposed to the rest of the app.

When trying to make a generic and flexible functionality, the typing experience seems get harder and more time-consuming for human to grok, and it may not even be that useful when you look how the code is used.

So I usually try to make typing as good as I can by finding documentation related to what I'm trying to do and banging my head to the wall from a couple of angles, and for some specific parts I may give up and type any.

Perhaps sometimes when typing feels hard it may tell that the abstraction is just plain wrong, so there's that plus side!