You have to be careful to include incentives in the analysis of crowd opinions. Markets make it easy; likely everyone else buying and selling in the market wants to at least preserve the value of their investment and most are hoping to make money. Few are willing to risk catastrophic loss.

When it's politics (voting or polls or horsetrading) or other choices that are more complexly connected to particular outcomes then market-like assumptions about the averages make less sense. E.g. pollsters have known for decades that they can't simply publish the mean average of polling results and expect them to be calibrated at predicting elections; there are many strange biases (including sampling) at play.

Dating relies on different metrics for attraction between individuals (there isn't actually a universal attractiveness 'currency' to price people with), preferences about children and lifestyle factor heavily, and monogamous dating has complexities from scarcity mindset (optimal stopping among others).

Following the monetary focus — the last exception has some parallel in contract law, the idea of specific performance and that some things can't be replaced by any monetary value because of their uniqueness.

So in the relationship example, it's not just "inertia", it's the value you have by virtue of your unique position in the situation, in terms of history etc. Similar arguments can be said of your parents or children: in some abstract sense you could imagine other children or parents you could evaluate the relative value of, but they are not actually your children or parents and so don't have that value.

It's an interesting issue because there's a point at which something leaves the realm of monetary (or more broadly, fungible value) considerations per se, and different rules start to apply.

Lol, always gets me thinking about when I should trust my gut or just go with the crowd - feels like Im second guessing myself more than anything else lately tbh

Isn't this just optimal stopping theory?

https://en.wikipedia.org/wiki/Optimal_stopping

It’s well written, but I beg to differ.

You should never ever considerate other opinion to make your own choice.

We are the sum of our decisions, I don’t want to be the sum of the crowd decisions.

There is also the factor of pride. Either you’re confident enough in your judgement or you’re not, but taking a bold decision that goes against all odd and people’s opinion, and managing to make it work, is extremely satisfying.

If you start reviewing your opinion based on crowd opinion, all that’s going to happen is you will be more and more inclined to suppress your own opinion in favor of the majority, until you don’t trust your guts anymore and you become part of the crowd.

Bestie there is a saying « you learn from your own mistake ».

"To say anything else implies an opinion that the mean human would cognitively overestimate or underestimate the quantity, and this is equivalent to an opinion on human cognitive bias for this specific problem"

for a slightly more skeptical take:

https://mindmatters.ai/2020/11/the-wisdom-of-crowds-are-crow...

(It mentions a requirement to be unbiased and independent, which means it doesn't apply to most modern things)