Welcome to fishlore.....
For me, I do at the least 50-75% weekly water changes, and on 2 of my tanks I do 50% daily water changes due to
betta fry because I do not use any type of filter untl they are at least 60 days of age. I don not feel you can do too many water changes I am sure some will disagree, when you think about it...the fish does all their business in the tank (poop).
For myself, if you practice good husbandry you will have very little problems if any..this is water changes, water changes, water changes......
As far a testing the water, for me, again if you do reg. scheduled water changes of at least 25-50% weekly, I don't test my water reg. and when I do test it is with the test strips and API ammonia; but only if a fish is showing signs of problems between water changes and when you test and if anything is wrong the treatment is Water change.
It is recomended on this site to get the API water test kit due to the water test strips will give you the wrong readings, I disagree, I have yet to find any scientific research that support those finding, but that is up to you and many on this site will disagree with me on the API test kit, I feel its money wasted. If you practice proper husbandry.
Most problems with tanks and fish are the result of poor water related to poor husbandry practices...in other words if you don't change the water your fish will get sick and die, also be aware of additives in your city water supply and treat as need to make your tank water safe for your fish, your fish breath in their water so it needs to be cleaned.
So no, I do not feel you can change too much too often on a fish tank, I have been in this hobby for 30+ years and rarely if ever have any problems, sick or dead fish related to change water..preventive matiance and care, lots of research, reading and mistakes that you learn from, good luck and enjoy for this is a wonderful hobby.