Shipping fast vs Refactoring: How do you handle tech debt in the AI era?

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Hey Product Hunt community!

With AI tools making prototyping faster than ever, the speed at which we can turn ideas into working software has skyrocketed.

However, moving this fast comes with a hidden challenge: Technical Debt.

In our team's transition from custom client projects to building our own Micro-SaaS pipeline, we frequently hit this dilemma:

Should we pause and rewrite code for perfection, or ship fast, get user feedback, and fix bugs later?

We recently decided to follow a simple rule:

1. Move fast on UI and non-core features using rapid prototyping tools.

2. Keep the core logic clean and modular so it doesn't break under load.

I'd love to learn how other founders and engineering teams handle this:
Do you refactor early, or wait until real users start complaining about performance?

What is your threshold for pausing new feature development to clean up technical debt?

Looking forward to your insights!

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A friend of mine always says technical debt is fine as long as you know exactly where it is. The real problem starts when nobody remembers which shortcuts were taken.

I try to keep the core logic clean and move fast everywhere else.

For me, tech debt is worth fixing when it starts slowing down development or causing repeated bugs.