It turns out that chumra has its own wiki entry
Here’s a quote
A second meaning of chumra is simply “a stricter interpretation of a Jewish law (Halakha), when two or more interpretations exist”.
Those who adopt such a stringency do not feel they are adding to the halakha. Rather, they think they are following the baseline requirement (if the strict interpretation is correct) or at least “covering their bases” (if it is impossible to determine whether the strict or lenient opinion is correct). Nevertheless, such stringency may be seen as adding to halacha by someone who believes the lenient interpretation (qulla) is correct.
Seems to me this pretty much sums up the arguments we have here