One of the problems that I have run into is developing solid unit tests for my business logic. It makes me a bit less adventurous here, but ALL of my utility code has unit tests, so I'm able to run fast and loose there.

It's also kind of cool to be able to write the input and the output for a few different scenarios and then code until they're all green. It's a bit of a bastardization of refactoring/unit testing, but it helps me to get out a bunch of the data pairs out in advance.