We all have a tendency to complicate things in our life. When everything seems smooth, you think of something that could complicate things. Why? The ego is feeling left out!
There is a possibility that you may be getting complacent so how do you draw a line? Go back to your goals and ask are whether you are aligned to them. If you are, then you are not getting complacent.
Regular review of where things are and where you need to go is important to evaluate efficiently and effectively. Having a simple system and structure will help. Avoid complicated systems and structures and do not look for problems when there are none. It is the ego creeping in!