I see where you're coming from, and I agree with you in large part, specially about making your assumptions explicit. However, I think it's important to notice

I see where you're coming from, and I agree with you in large part, specially about making your assumptions explicit. However, I think it's important to notice that an explicit formula for your thought processes can be difficult (computationally expensive) to find. Our brains have evolved to use heuristics and "gut feelings" to make decisions, and the approach you propose forces you to throw all that away and use the much slower general purpose processing part of your brain to emulate those processes. So there's a tradeoff there.