[smaudet]

Right, but my concerns about an overly complex system coming in as a stand-in for a simple one are not.

The simple cost effective thing is not to engineer a complex redundancy system above and below to try to adhere to some misguided "separation of concerns", its to use the simplest, most effective solution which presents itself.

When you try to separate things which should not be separated in a software (or other) system, you get high coupling, low cohesion. Not everything should be attempted to be "de-coupled".