The premise of a to-do list is that the hard part is remembering. For a great many people that is exactly backwards. The thing has been remembered constantly, at volume, for three weeks. Writing it down again adds nothing.
What a list does add is a visible tally of everything not yet done, sorted by nothing, all equally urgent looking. So the tool intended to reduce the load becomes a daily reminder of the size of it.
Three ways lists make it harder
First, they flatten. A two minute email and a four hour form appear as identical rows, so choosing between them costs energy every single time you look.
Second, they accumulate. Anything genuinely difficult stays on the list while easier items pass through it, so over time the list becomes a concentrated record of what you have avoided.
Third, they say nothing about starting. A row reading chase the refund tells you what the outcome should be and gives you no idea what the first physical action is, which is the only part that was ever difficult.
What actually helps
Tick whichever your current setup already does. The ones you cannot tick are usually where it keeps failing you.
5 things to do
Ticks are for this visit only. Nothing here is saved anywhere.
The streak is the worst part
Completion percentages, streaks and productivity scores all rest on the same assumption: that you will do more if you can see how much you are failing.
For anybody already carrying a background hum of being behind, this is precisely wrong. It converts a neutral pile of admin into a running record of personal failure, and the reliable outcome is that the app gets deleted, along with the only record of what actually needed doing.
The real question is not what, it is how to start
For most stuck tasks you already know exactly what needs doing. What you cannot do is hold the purpose, the outcome, and the details all at once while a stranger talks at you.
Which is a working memory problem rather than a motivation problem, and it responds to having those things written down in front of you, not to being reminded again. That is worked through properly in making a phone call you have been avoiding.