First date

I keep seeing on social media these boss babes saying how a girl should not accept a guys offer to a date if it’s “low effort” such as grabbing a cup of coffee. Most first dates I’ve been on have been that or a lunch and I’ve never complained? Idk if I’m buying too much into it, but I feel there’s nothing wrong with coffee for a in person first date as it can go good or bad? Am I overthinking or do I need to turn a guy down for that because it’s not “good enough”? I’d feel taboo if it was a fancy steak dinner at some classy restaurant. Thoughts??