Bingo! This is the right answer. It always comes down to how long will the code exist and do you need to be able to sustain high velocity over a long period of time.

If you don't need to keep it very long, then hack the hell out of it. If you are in a startup, hack it.. you don't even know if you have product market fit. If you are in an enterprise and your team is responsible for some aspect of the company.. keep it clean and move fast. As soon as you start snowballing hidden complexity via hacks.. it becomes a tar pit.