You can be frugal without spending a lot of mental energy on your expenses. It seems contradictory but it is possible to 'live' frugally without thinking about money all that much (assuming you aren't broke and have positive cash flow). The real challenge is escaping consumerism as a means of (superficial) fulfillment.

> When you default to the lowest cost option without considering the drawbacks, procrastinating or hesitating on spending[...]

This is terrible advice, one of the easiest ways to be frugal is not to be overly attached and to defer spending.