If all humans currently alive collectively represent every possible variable combination in this regard, the maximum value for the answer is 32.7 bits[1]. That is, 33 on/off switches completely decide whether or not you will put off doing your homework[2]. Is the correct value higher or lower?

Much, much higher. The humans currently alive represent only a very sparse sampling of possible combinations of genes, and an even sparser sampling of possible combinations of life experiences. I don't see any obvious reason why the answer to this question shouldn't be greater than the number of subatomic particles in your body.