I wonder what would be a good definition of term "over-engineering" as applied to software development. The expression seems to be used a lot during software design discussions often in conjunction with "excessive future-proofing" and it would be nice to nail down a more precise definition.
Contrary to most answers, I do not believe that "presently unneeded functionality" is over-engineering; or it is the least problematic form.
Like you said, the worst kind of over-engineering is usually committed in the name of future-proofing and extensibility - and achieves the exact opposite:
The truth is that the design that is most easily adapted to new and changing requirements (and is thus the most future-proof and extensible) is the design that is as simple as possible.