Once it's working, you know enormously more than when you started, and all you have to do is refactor the mediocre design you happened to build into something better, without breaking the functionality.
With good test suites and solid refactoring skills, that is actually both very doable and often a lot of fun!
Similarly, I always like to say you should plan to write (at least) two versions/iterations of everything. The first one bottom up, to discover what problem you're solving, and the second top down, once you know the problem.
That is actually how Donald Knuth describes it in The Art of Computer Programming. The first program is merely written to understand the problem domain.
I feel like architecture has almost nothing to do with the low level task of coding, and more to do with organizing the order of operations which stem from the business level requirements, and identifying the services that will be used. Architecture is also useful for documenting how things work in a system, and then passing that understanding to anyone that is interested in the future.