I have an example where this Chumra craze has been a classic case of Al Tehe Tzaddik Harbeh and Kol Homosif Goreah:
The round Maacabee Pizzas when I was younger had one Hechsher and might not have even been Cholov Yisroel, Lo Aleynu.
Nowadays they have at least two Hechsherim and are CY.
I also noticed that one of the Hechsherim puts on the box -“Yozer L’chod -Birchos Hamotzay”. When years ago it didn’t tell you the Brocha at all. People who didn’t know could always ask their Rabbi. I think that they are telling people this because of all the hullabalou about Mezonos. While they are correct about the Halacha – when something is baked first alone and it’s basically flour and water then you make a Hamotzay.
So what am I saying that it’s not baked first -this can’t be -they know their product better than me? Yes, I know they know their product, but it’s still Mezonos. Why? Because for something to be baked first and then baked again afterwards with stuff on top – in order to prevent in from becoming Mezonos it has to be baked well enough that it’s edible. Even though Maacabee Pizza, not the bagels which are edible, are baked first alone -they are no way in an edible state. How do you know this? Because when I was a younger Bochur and I needed supper without having an oven -I knew about this thing that it was baked first, even though it didn’t say so on the package -so I decided to let the Pizza defrost and I’d have supper. Cheese even though not melted would still be edible -same with the sauce. But lo & behold, I don’t remember ever being so sick from food as I was that night.
So I know that that dough is Not edible. Whichever one of the Hechsherim on that Pizza decided it was Hamotzay because it was baked separately first should try eating it without the second baking at home. I guarantee you he will be singing a different tune when he starts feeling better after the stomach illness.