I think your definition of terminal value is a little vague. The definition I prefer is as follows. A value is instrumental if derives its value from its ability to make other values possible. To the degree that a value is not instrumental, it is a terminal value. Values may be fully instrumental (money), partially instrumental (health [we like being healthy, but it also lets us do other things we like]) or fully terminal (beauty).

Terminal values do not have the warm fuzzy glow of high concepts. Beauty, truth, justice, and freedom may be terminal values, but they aren't the only ones. They aren't even the most clear cut examples. One of the clearest examples of a terminal value is sexual pleasure. It is harder to argue it is instrumental to a higher value or more determined on other facts and circumstances than any of the above examples.

Also, how does identifying terminal values help us make choices? We must still chose between our values. If we split our values into terminal and instrumental it will still be rational to chose instrumental values over terminal values sometimes. I'd rather make a million dollars (instrumental value) than a painting short of a masterpiece (terminal value). Identifying values as terminal does not prevent us from having to chose between them either.