This is a big problem, yes. The momentum that you build up. I say it's like getting on a train. You can always get off later, it just gets harder and harder, and you are less and less able to leave for riskier or less immediately lucrative things.
For instance, I am probably trading away the chance to go spend a year doing more intensive language study in China if I take such an offer.
One reason to try to do _something_ is that, as of right now, I really don't have much runway to actually start something. I guess I could try to put together some brilliant MVP in time for S'11 YC, but... :)