It's never a good idea, no matter how creative we think we are. A better plan is to start thinking about club selection on the way to the ball. Consider yardage, elevation change, and any required carry, as well as daily conditions such as wind direction and hole location. Use any local knowledge you have, such as knowing that the green is very firm or that rounds have died in the front bunker. Also, don't assume you have a perfect lie or that the wind won't change directions.
Golfers riding in carts are especially susceptible to playing the wrong club.
The answer is to not get into that situation. And if you're within wedge range, take all your wedges. Grabbing a few extra clubs may save you a few extra strokes. It's sage advice for any golfer who hits a good shot, but leaves himself a difficult next shot. Then there's the uphill putt on a severely sloped green that runs by four feet, setting up a ticklish downhill slider coming back.