I think a lot of professionals (not just programmers) get stuck in phase 2. This is where, in our field, most of the code comes from: capable, smart people writing new code furiously, and with the not incosequential fact that it provably works. Sure, it has bugs, but you can get to those eventually. It also happens to be the most "defensible" phase, where you get to speak down to others - you have concrete experience, real knowledge, so you are justified. I would guess this is also the bulk of working programmers.
So, the OP's solution could be coming from a phase 1 or phase 3 place. You are certainly coming from phase 2. I would encourage you to stretch a bit and consider when the OP's simple solution makes sense, and when it doesn't. I would hope you would do this in an interview as well, because you'll find phase 3 people saying all kinds of whacky things, which might not make sense to you unless you ask.
(A careful phase 3 will make sure to preface his simple solution with his limits, and to not do so is a little bit sloppy, but personally I don't think that's a deal-breaker.)