Modern gebroks chumros is a minhag, not halacha. The answer depends entirely on what your mother or community does.
Is a deli matzah sandwich problematic? What about a cheese melt? Do you put washed lettuce leaves in your Korech? Fruit juices? Is it OK if it’s within 18 minutes? Every question has its own answer and none of these answers are found in halacha, nor should they be.