Have you ever been torn between two options and left it up to a coin flip? Only to find that mid-air, you realize which one you really wanted it to be, without even necessarily checking the coin? In the "last five minutes thing", I think the broader point there is that, A) you will need to make an actual decision, and that B) you can wallow about being indecisive for as long as you willing to let yourself. That last point feels more about deciding to make a decision to avoid prolonging B indefinitely.
I think of the coin flip solution as being honest with yourself: it only works if you really decide to follow the quarter's answer, and its that little sense of satisfaction/reluctance when you unmask the coins that points out the truth (at which point you ignore the quarter and do the correct thing)
and ofc if you feel nothing, then coin has already provided you a default to work with.
Have you ever been torn between two options and left it up to a coin flip? Only to find that mid-air, you realize which one you really wanted it to be, without even necessarily checking the coin? In the "last five minutes thing", I think the broader point there is that, A) you will need to make an actual decision, and that B) you can wallow about being indecisive for as long as you willing to let yourself. That last point feels more about deciding to make a decision to avoid prolonging B indefinitely.