> To-do lists are for things that aren't a real priority, otherwise you would be giving them your full attention and the tracking would be unnecessary.

I really suggest looking at the Eisenhower Matrix. Urgent and important tasks are the only types of tasks that really go into the category of "real priority." Todo lists are best used to manage tasks that are important, but either aren't as urgent as the most urgent tasks, or are blocked by some outside factor that you can't control.

It's important to finalize insurance plans for the upcoming year, but waiting until it's "urgent" may result in not having enough time to find the best plan.

Granted, maybe you don't have a problem keeping track of all important tasks -- in which case, that's awesome!