I keep realizing over and over again that when we are weighing things (should I do this, should I do that) we are caught in the mind. We are acting out of thinking and not awareness. We are divided beings. We have to live totally and when we do there can be no cause for regret. It is only in partial living that we have regret. Because we wanted to go one way and we went the other. We acted out of an idea instead of out of direct perception of what the moment calls for. When we try to impose our ideas, which are thought up and derive from the past, onto the present we are living an unmeditative life. No matter how good our intentions are, they still fail. It is because we are living in thought, concepts, judgment, in ideals, in fantasy, that the moment - THE one moment we have - which is this life in toto, that moment eludes us. It is always a little bit ahead of us or always a little bit behind. We are never here, now. If we try to correct our notions of past karma, we are still living in the past. If we try to create good karma for a future, we are caught in the future. This moment escapes us throughout life. The simplicity of awareness makes it elusive.
Your concepts are interesting/helpful Brock. Yet there are many things in life that require planning. We can be in the moment planning, however it is still for a future outcome.