This smells of bucking conventional wisdom simply for its own sake. Unless you have a good reason not to follow best-practices, you're a bad programmer if you don't (this doesn't always apply if you're writing a project for yourself).

Conventional wisdom is there for a reason--it was wisdom hard fought over many iterations from people who came before. Conventional wisdom has won out against many competing ideas, a survival of the fittest of sorts. You may not always fully comprehend the reasoning for a particular 'best-practices' rule, but you're foolish not to follow it for that reason.

Adding accessors is not 'premature generalization', it's just how you write well engineered code.