The best decisions often survive sleeping on them.

Sleep changes the balance of who is deciding. The tired, activated version of you weights threat and urgency heavily; the rested version can see proportion. A decision that survives that shift has been checked by two different people, which is a better test than any amount of arguing with yourself at midnight.

Make it a rule rather than a case-by-case judgment: anything significant waits until morning. You will lose almost nothing to the delay. What you gain is a filter that quietly removes a whole class of decisions you would have regretted, without you having to identify them in advance.