The "overpaying for security" discussion would benefit from distinguishing quality from quantity.
Should we be happy to pay for 32 more ETH
1. staked in a CeX or LST? Meh - our quantity of stake is probably fine.
2. solo-staked in some enthusiast's far-away living room? Absolutely! That's quality stake, that is.
I have no idea how to make this happen in practice, but the "overpaying" thing is simplistic as it stands.