This is difficult, because I fall in both camps.
There is nothing wrong in enjoying a story, if all we have is word of mouth and it coincides with what we know: Harry and Louis are together. Harry loves Louis, Louis loves Harry, they have 836435 complementary tattoos.
However, I can only speak for myself here, the reason I like to fact check is not so i can prove Harry and Louis to anyone, but to see what narrative their team is following. To follow how things are changing.
What is made public, is what they want us to see. We like to ask: Why? There is nothing wrong with questioning things.
Do we sometimes overanalyze things? Probably. I think it comes out of fear of being called delusions and tinhatty, then out of not wanting to enjoy something nice.