I think this is a question of common sense. There's a need to understand the big picture, or even what's happening under the hood, to be able to consider when a so-called "premature" move is justified.
I've worked with solutions where web service calls were necessary to calculate new values based on the contents of a local list. The way this was implemented was by making a web request per value. It wouldn't be premature optimization to send several values at a time. The same thing goes for the use of database transactions for multiple operations, i.e. multiple inserts.
When it comes to algorithms, initially the most important thing is to get it right and as simple as possible. Worrying about stack vs heap issues at that point would be madness.
