Don’t be a hero.
The fish aren’t going to be impressed that you waded into the surf with a 6-weight. No trout is going to eat your articulated streamer with more ferocity because you chucked it using a 3-weight. Plus any fish you’ll be catching with either of these approaches is going to put up a fight on a properly matched rod. You’ll still enjoy it, and they’ll be more apt to play ball.
Again, the fish don’t know or care. If anything, the presentation is going to suffer if your stroke is squirrely. Then they might care, because your fly is causing chaos and/or might not be anywhere near them. A common manifestation of a fly too heavy is a loop that doglegs sharply to the outside and splashes almost perpendicular to the end of your fly line. That might make for an enticing popper presentation, but you don’t have accuracy or any sort of control. Its not how you should be fishing.
There are all sorts of circumstances that might tempt you to throw a big fly with light gear. The deep undercut bank. The popping baitfish. The fast, deep run. If you know you’re going to encounter those opportunities, plan accordingly. It is easier to accommodate lighter than heavier. If you’re in a situation where this question is even crossing your mind, you can afford to go up a line size.
Especially when targeting big warm- and saltwater fish, you need to err on the side of bigger. Dumbbell eyes and poppers are much heavier and much more wind resistant than they might seem. Add in a little wind and even that 8-weight could be less than sufficient.
Casting a big fly on light line for a prolonged period of time will wear you out much quicker than if you were casting a heavier line. Not only are you pushing and pulling with more umph, but you’re having to think about a significantly altered casting stroke. Over the course of a day mental wear is as taxing as physical wear. Losing your edge while casting limits your angling effectiveness. Losing your edge while casting an over-weighted fly might turn dangerous if a tailing loop sends a hook into your shoulder.
If a fish a lot, then honing in the best fits and sweet spots will keep you sharper and on the water longer. If you only fish intermittently, you shouldn’t be wasting your time with less than ideal casting and presentations.
Of course, a quick and impromptu series of casts will have to happen from time to time. Don’t make all of this a hard and fast rule. Go after the fish that is in front of you. But make casting the size 2 conehead bugger on your fiberglass 4-weight the exception. And when you do it, do it carefully.
Don’t be a fly casting hero. Know your gear. Know leader lengths and tapers. Know your normal casting stroke and the limits of your ability to modify it. Practice casting (here’s a good way to do that for all of this heavy fly business). Fish, and fish well.