I agree that software from a user-facing model is not divided up the same way as its internal structure, but at some point, you have to think about how a user story maps onto the structure of your software, and I think it can be valuable to think about this ahead of time rather than seeing what needs to happen while you're writing the code.
Not advocating for a waterfall model here, but I sometimes wonder whether we've thrown out the baby with the bath water by ditching all up-front design.
Ditching all up-front design is dumb. Not sure where you're getting that from.
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