It is very easy to create an excel chart of your aircraft w&b. It takes 10 minutes to try some 'usual' situations and explore what happens to the cofg.
I've done that for the last 3 aircraft I have flown regularly and it has given me a good feel for whether or not a detailed w&b is needed. In the vast majority of cases it has not been necessary.
On the majority of aircraft getting outside the cofg limits takes a loading that looks unusual. Overloading is really more of a performance issue - unless you are deliberately going to do things which stress the aircraft - like aeros.
One of my aircraft had a detailed set of performance curves at varying weights which would allow you to comfortably extrapolate performance beyond mauw (well to a point probably). And if you stayed inside those (granted unproven) limits you could probably fly forever without incident.
And that is the crux of the issue many small aircraft are routinely overloaded and nothing happens apart from the performance deteriorating somewhat. However try two flights back to back in the same light aircraft - extreme forward cofg and extreme rear cofg at similar-ish weights. I've done that in my present aircraft as one of those 'interesting things to do'. And it certainly was - you would barely believe it was the same aircraft. A real eye opener.