Does anyone else just refer out stuff they could technically do?

I know I *could* do that implant, or that complex endo, or that full-mouth rehab. I have the training. But I just... don't want to. I'd rather refer it out and sleep well at night than stress about a case I'm not 100% confident in. Is this lazy? Or is this actually good judgment? I feel guilty sometimes, like I'm not living up to my potential. But I'm happier this way.