It’s not dumb if it works. That’s the important thing.
So long as you’re sure you’ve defined “works” correctly. And verified that your solution does, in fact, meet that definition. Does anyone else do it this way? If not, is there a reason they rejected it? Are you walking into the trap that leads people to give the advice that you’re currently ignoring?
Maybe your problem isn’t the kind of problem you thought it was, and the rules about what the solution should look like are different. Maybe the costs of this approach are more bearable to you, and the costs of doing it the right way are harder (though are you sure about this? Tail risk can be real bad.)
But it not dumb. Not if it works.
If it works.