The interesting thing is, that you might not be able to pay all costs. And since we can’t escape the myriad contexts in which we act, literally everything is dependent on everything which makes the distinction moot again IMHO, when talking about ourselves. It might make - theoretically - sense to label a subset of decisions in this or that way, but the rest of your life cannot be boxed out like this.
Sooner or later not budgeting your time and attention will come and bite you in the ass. And not only that: It will prevent a maximizing strategy altogether. Not taking this into account in every decision you make, will lead to less and less actually maximized decision making.
I see maximizing as lazy and myopic. It’s almost tragic, really.