I'd call inspiration the first idea, and all the little ideas that follow that create your story, as such, without them, you don't have a story. So, no, I wouldn't call it overrated.
However, I'd call getting your butt in the chair and writing everyday, motivation, and that cannot be overrated. You can get a whole lot done with a little inspiration and a whole lot of motivation.
But you've got to have both, or else you never get a story written.
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