My experience in most things is that simpler is always better. Whether that’s a business deal, investment terms, or training for a cycling event.
Eddy Merckx when asked about his secret to being the best bike racer of all time was simply: “Ride Lots”.
When things work, they generally are super-simple, easy to understand, obviously of value to their constituencies, and most of all easy to explain to others. Maybe best expressed in Occam’s Razor for those of you who like the philosophical or ‘intelligencia’ version of Keep it Simple, Stupid.