The only way you'll regret it is if you type the query directly into an editor which doesn't support syntax highlighting or doesn't validate the query before you run it and it blows up in production. This is 'typo crashed my code' kind of stuff.

The solution becomes really obvious if it happens once for 95% of people good at computers.

You might regret it a bit more if you do something like a filesystem read to get the query.

There's your regret. It hurts so much, doesn't it? :)