Sorry for the late reply, I couldn't decide how to communicate my point.

You strongly self-identify as not decisive and celebrate cautiousness as a virtue, if you desire to change that must change first. In all your examples you already know what has to be done, just want to avoid committing to action, and now you are contemplating finding methods to decide if you should be decisive on a decision by decision basis. That is a stalling tactic, stop it.

The goal to stomach the consequences is bang on, that might be some foundation work that is required first or something that develops with taking accountability and making decisions.