Henrik Warne wrote the following in his blog.  This matches my experience right down to the details.  I might quibble with a little bit of wording, but that would take away from the degree to which we agree.

“Here is my list of heuristics and rules of thumb for software development that I have found useful over the years:   Development 1. Start small, then extend. Whether creating a new system, or …”

Source: Lessons Learned in Software Development