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I would argue about insane amount, but would agree that it is not worth it.
If you're just changing your name without getting married there's a lot of paperwork, you have to stand in front of a judge, then you have to change all your banking information and everything else that had your previous name on it. And so help you god if you lose that paperwork that says you changed your name if you happen to need it years later it's a huge issue. It's a lot of work to change your name.
I did change my surname late in high school. Maybe it is cause of my country, bur yhat was not so easy. I just wrote a letter to the birth certificate register with a good reason to do so. Once they replied with "you're good to go" I just wen to the passport issuer with that mail and changed my name. What happens next is the problem - change name in all instances - school, work, license, bank and so on.
When I was younger and less involved in this world, it was quick. Today, with all the subscriptions, payments and registrations - screw that. Too much effort.
So, just change it if and when I get married?
Apparently when getting married it isn't quite as easy as I was thinking. But depending on your country it might be slightly easier
It's a lot of work even if you're changing it due to marriage.