BSD:
To the best of my memory, I have heard from a Rav who is “well respected” across the spectrum (mechaber of a number of seforim accepted by both the right & left) that Minhag Hamakom depends on where you live. Ask your own local Rav what your Minhag Hamakom is.
Of course, its always a good thing to be more Tzanuah (without the platitudes, please), but the issue here is being FORCED to follow a standard that is more “chumrah of the week” and “Ish HaYashar Be’Einav Yaase” vs. actual halacha.
All of these issues bring me toi think of the Medrash regarding Chava & the snake, where the snake pushed Chava into the tree and she didn’t die, and the snake used the argument to get her to eat from the Eitz Hadaas. SJS put it well: Chumras are all and good for those who keep them, but its a nichshal to turn the chumras into Halacha.
That being said, the opposite is also true; its easy to be Over if one is not willing to go the extra step. The only answer is to have a Rav (not Mentor, Sem teacher, etc., but a Rav) who can guide you as to what YOU should be doing.