Advice is on a spectrum from being so generic as to be common sense, all the way to understanding your precise situation and choices.
Things like health insurance and credit cards are far too specific for YC to put out as a generic guide. The size of your team, budget, where you're located, etc. all make a big difference.
Part of being an entrepreneur is figuring these things out, and I'll admit that choosing the "default" options was actually a negative for my last startup because it didn't provide what we needed. Doing the research is a good test for how well you'll be able to handle the rest of the details of running a business.
If you don't know where to look for this info, I recommend reading how similar companies (same sector, size, region) started and using what they use. Plenty of startup profiles out there on HN, techcrunch, angelist, producthunt, indiehacker and more. That's usually a good compromise to provide choices without too much research.
Things like health insurance and credit cards are far too specific for YC to put out as a generic guide. The size of your team, budget, where you're located, etc. all make a big difference.
Part of being an entrepreneur is figuring these things out, and I'll admit that choosing the "default" options was actually a negative for my last startup because it didn't provide what we needed. Doing the research is a good test for how well you'll be able to handle the rest of the details of running a business.
If you don't know where to look for this info, I recommend reading how similar companies (same sector, size, region) started and using what they use. Plenty of startup profiles out there on HN, techcrunch, angelist, producthunt, indiehacker and more. That's usually a good compromise to provide choices without too much research.