With the fail-fast approach, yes - unless we introduce an option to collect all errors. In my own applications, I have found this to be a better default because the 'average' requests is valid and paying a constant overhead just to be thorough on rare invalid cases can be wasteful.

My overall takeaway has mostly been to not optimize for the worst case by default. Keep fail-fast as baseline for boundaries and hot paths, and selectively enable “collect all” where it demonstrably saves human time.