If you over-develop a print significantly, you are much more likely to encounter safelight fog if your safelight(s) is/are close to being unsafe.
For beginners, I suggest developing a print for the exact mid-point of the manufacturers' recommended times. Then, as a comparison, develop two more identically exposed prints from the same negative - one at the minimum manufacturer's recommended time and one at twice the "mid-point" recommended time. Most likely you will learn from the comparison of the three results.
Note that different papers and developers will result in different recommendations.
My personal target time is the maximum time recommended by the manufacturers.