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"being overly cautious" is a correct and usable phrase in written English
You can use it to describe someone who is taking more care or precaution than necessary, often out of an excess of caution. For example, "The coach was being overly cautious and kept his star player on the bench for the entire game."
Exact(52)
But are charities missing opportunities by being overly cautious?
I would think that would lead them to being overly cautious and careful".
Critics have also accused Mr. Obama of being overly cautious in foreign affairs.
"If we're being overly cautious, that's O.K.," Karen Magid, a lawyer for Paramount, said.
Perhaps Jodi Rudoren, who became bureau chief in May 2012, was being overly cautious.
"That probably is erring on the side of being overly cautious," she said.
Similar(8)
Censors are overly cautious.
We've been overly cautious.
"Maybe we were overly cautious," he said.
"That approach may have been overly cautious.
"He thinks we're overly cautious," Cashman said.
More suggestions(16)
being unduly cautious
becoming overly cautious
being excessively cautious
being extremely cautious
being overly tentative
being unnecessarily cautious
be excessively cautious
being overly confident
being overly respectful
being overly charismatic
being overly apologetic
being overly secretive
being overly macho
being overly friendly
being overly critical
being overly generous
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Since I tried Ludwig back in 2017, I have been constantly using it in both editing and translation. Ever since, I suggest it to my translators at ProSciEditing.

Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com