[chc]

It's still a net win in my experience. The minor inconvenience of inserting a few temporary variables to hold intermediate values is much less than the burden of all the additional reading and debugging needed when you spell out every step for everything you want to do.

It's kind of strange to me. We generally acknowledge that not repeating yourself and dividing responsibilities sensibly leads to better code that has fewer bugs and is easier to reason about. And yet when we consider doing the same thing with iteration, we say, "Whoa, hang on. Why can't we just write out the whole thing every time instead of factoring the common bits into a function?"