The problem seems not dependent on the specifics of my efforts for me - it seems inherent to Anki for language-learning. That the flash cards have lots of bells and whistles seems unrelated to my giving up because 90 minutes a day wasn't enough to keep things under control.
I haven't had any time that my circumstances have change so much that my accessorising ended up a negative. (And I'm having trouble thinking of situations where that would be the case).
But sure, in general I can think of cases where it's probably more advisable to go with a general purpose solution (stairs rather than a climbing wall for going upstairs) in case personal circumstances change, temporarily or permanently.
Bells and whistles, especially when it comes to making things perfectly tidy, tend to introduce a lot of rules for using and maintaining a system. For example, a color-coding system with too many colors to reasonably recall without daily practice from using the system: any interruption, such as a vacation or even a weekend, will disrupt in some way the ability to use and maintain the color-coding system.
Informal rules also accumulate over time, adding to the complexity of any given action. It doesn't take a major change to topple your flashcard system, but slow, accumulated changes have been enough to do so.
If you do less one day, Anki gives you those cards the next day on top of the normal workload of that day. There is no way out.
Worst, the less you retain, the more mistakes you make, the more your workload goes up. Anki algorithm never do the "lower workload because this person does not retain" decision. Instead, it will just give you more and more work in such case.
If you're finding that you reliably do not recall some card Anki will eventually mark it as a leech. Those cards get suspended automatically after some number of lapses. That will reduce your workload because suspended cards are't part of your workload.
> If you keep failing that card, Anki will continue to alert you about the leech periodically. These warnings occur at half the initial leech threshold. For example, if you set the warning at 8 lapses, future warnings will happen every 4 lapses (at 12, 16, and so on).
Suspend means you never see the card again. So how could you keep failing it after it's been suspended for being a leech?
If it becomes leech, it will be ignored entirely by anki.
All of that is too much expertise about how to mark cards instead of allowing you to do it intuitively.
The only bit missing is some algorithm deciding how often to introduce new cards based on your historical data.
> I can never keep the workload under control, or my habits change, and give it up.
> to build up a highly personalised system that doesn't need to work for anyone else.
"Anyone else" includes "future you", because humans change over time. A highly personalized system is usually a highly inflexible system.