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This lines up with how I make tech stack decisions for my own projects. But I think it's not always obvious going into something if it's going to end up being a money-making endeavor or just an educational project in the end, so I'll fall somewhere in between.

What makes the most sense to be is to be really selective about what new technologies to use, and try to really learn ~one thing per project. E.g. my current project is a small search engine, and I've spent a lot of time exploring / figuring out how to use LLM Embedding models and vector indices for search relevance (vs. falling back on using ElasticSearch the same way we use it at work), but I'm using tools that are familiar to me for the UI/db/infrastructure.