If things are so individual, probably tags are the way to go. You could then have a auto-generated step containing all steps with a particular tag. Logseq and Tana actually have such query items. In OmniFocus I've seen a hierarchical tag structure which looked pretty useful.
Great observation, that most tasks are context depended in terms of a specific location. Immediately more of these contexts or pre-conditions pop up in my mind: social circle, mindset, internet connection, ... Thinking about this more, there seem to be 2 different types of conditions: some that have to be met once sometime before doing something and some that have to be met continuously to be able to do something. Maybe one could connect a system that creates location/time based reminders for steps with pre-conditions. What do you think?
When it comes to the 80%, I'd agree with you if "the job" is defined as "getting relief from the complexity in the moment". I'd rather define "the job" as having a system that you can trust and rely on for a prolonged time. Then a piece of paper is not cutting it, based on my experience - its too expensive to make changes.
I do agree with your attitude of better writing things on paper with the simplest imaginable structure than not structuring things at all.
Can you go into more detail how a service that ghost writes texts for you helps you improve your project management? (suspect this is a bot generated advertisement)