I have issues with formulating cards. The idea of creating a suboptimal card that I will then remember forever is so daunting that I often give up.

As long as the information is correct, I see no problem. The reason to optimize the wording of a card, AFAIK, is to make it easier to learn. You can always make those optimizations later, while reviewing, or when looking at the statistics to find cards that you have a hard time to remember.