I would disagree with the latter half of the moral as stated. I think those are entirely reasonable concerns to hesitate in giving money to e.g. a specific charity.

That said, what I think you intend to get at - don't let the perfect be the enemy of the good - do some basic due diligence, but don't let "due diligence" freeze you into inaction - I agree with that.

(edit: I started a sentence without finishing it -_-;;)