I pretty much entirely agree with that, there is a lot of complexity and it can play a role in deciding to just avoid everything. Though in practice I think the complexity effect is overblown, and the role in deciding to do nothing is small (I'd bet the role is larger in deciding to do lots of different things unsuccessfully because one quits the current thing after it becomes difficult). Though if the complexity mattered all that much, this just sounds like the OP's desire for a government-approved 'average' outside of what exists in required PE is even more ludicrous.
